BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Allied collection agency reported a bogus debt, which they purchased from XXXX XXXX The debt was never owed to begin with. I visited a XXXX XXXX  to get a quote for some work. I initially intended to have them perform the procedure, but after 2 visits, I realized they were very unprofessional and backed out. The work they did perform, XXXX XXXX XXXX XXXX  was covered by my insurance. After numerous harrassing phone calls and repeatedly telling them I was not interested in having the pricedure done, they began calling, trying to get me to pay, the balance i was quoted for the procedure that was never carried out. XXXX XXXX is a corporation and they regularly have failures in communication which cause appointments to be scheduled by the corporate end, then you arrive and the local office doesnt have a clue about said appointment, leading to a big waste of time. ( just to give you an idea of the type of business I'm dealing with ). Anyway, after trying to charge me for work that was not performed, and constant phone calls to myself and my girlfriend, I told them if they keep harrassing me, I would sue them. I didn't hear back, until 5 years later, when Allied reports a collections account on my credit report. The dent is bogus, I called Allied, I called XXXX XXXX, I called XXXX I disputed, but apparently the investigation is done by Allied, who I believe are just as malicious as XXXX XXXX They have not provided any documentation, and Allied keeps increasing the balance periodically, and resetting the clock and further damaging my credit report. No one will do anything about this, and now I'm being denied credit cards due to this bogus collections on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, XXXX, through our escrow account. We notified XXXX, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, XXXX finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. 
Our loan was purchased by NewRez, in XXXX of XXXX. Our initial payment statement from NewRez showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of the matter with NewRez. NewRez has told us that it is a problem with XXXX and that we need to work it out with them. 
Upon contacting, XXXX, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( enclosed XXXX indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. 
We are attaching 2 copies of escrow statements from XXXX, one from XX/XX/XXXX, and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Senex Services Corp.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Financial aid through the hospital forgave account balances in full. Removal of owed debts are now XXXX balance. Senex Services Corporation have failed to respond to my notices regarding removal of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Abbott Osborn Jacobs PLC
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage company charged my payment over 20times and refunded me over 20 times as of today XX/XX/2021. Then after they cleared up their mess they charged me twice which left me with a negative - {$740.00} in my bank account. Thus leaving m penniless for today which i coluld not buy breakfast this morning nor buy lunch as of right now because im at work and i do not have a XXXX on my account. Im going to have to get home so i can eat. By then itll be over 24hrs since inlast ate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting to all three credit reporting agencies XX/XX/XXXX trans union, A corporate account, that I did not personally guarantee, on my personal credit report. I have sent dozens of disputes and requests to remove the derogatory information off my report to no avail. 
My attorney sent a 609 letter on XXXX XXXX requesting all agencies to produce all documents including signature pages as proof of accuracy and none of the agencies have sent him anything and they still have not removed the account from my credit report. 
There is now litigation involved to prove this is not a personal account. 
Also, This account is reported as a charged off account, yet they have a law suit against me and my business, and a third party collection company Continues to call me trying to collect on this account as XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed this alleged debt via certified regular mail asking for proper validation of the claim to no avail. All I got in return is a generic letter stating that they were not gon na validate the alleged debt and that they were not gon na take any further action to address this issue. My initial letter to them was simply asking them for a copy of a original signed contract to validate the debt. If they can not produce that then by law they have to cease collection as well as remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Risecredit, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a company that has called me multiple times a day within hours of calls they are calling again. I have had days where this company has called me as many as XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a Summons to Justice court about a suit for a bad debt owed. This has caused damages to me and my family. My character has been greatly defamed because of this Summons that was placed on my door post for all to see including the mailman. Not only am I to fight in court on XX/XX/XXXX, over this FRAUD. I want this case dismissed and not have too appear in court. 
I was also contacted by a credit bureau telling me i have a negative mark on my credit. I do not owe this company and I have never done business with this company. Now I must go to court over a debt that I dont owe Plus my credit has been damaged because of FRAUD. PS if i owe this show me something with my signature on it i can guarantee you can't. This was placed on my credit I want this fixed and my credit restored.It was placed on XX/XX/XXXX. And this Court case dismissed also because of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Orion Portfolio Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Orion Portfolio Services LLC for collections from XXXX in the amount of {$310.00}. I do not have an account with XXXX in any form. I have tried calling Orion and it redirects to a random number that's mailbox is full, there is no directory for the company on the call. It lists two account numbers one for XXXX # XXXX and an Orion account number # XXXX. I called XXXX and they ran both numbers including my social security number and found no account. I want to make sure this doesn't go on my account somehow. Thank you. The letter is dated XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SLM CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries reported that I do not recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Late fee

Complaint:
My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery reports a debt to my credit report in XXXX that they say has been with them since XX/XX/XXXX. Then sends a letter to my mothers house of an account that I dont have with them in late XXXX  XXXX and another to my grandmothers house in early XX/XX/XXXX. I send back a letter disputing any debt with them on XXXX XX/XX/XXXX in response to the letter sent in XXXX XXXX via certified mail @ tracking # XXXX which is delivered to them by XXXX XX/XX/XXXX which requested validation of debt, proof of ownership of debt, proof of ability to collect in the state of Michigan as they are based in the state of Ohio & to only contact me via mail. The company failed to provide any of the information as requested and further continues to report to the credit bureaus as a collection on my account last seen as XXXX XX/XX/XXXX. This company is also impersonating as an internal collection of a creditor to XXXX  when they are not businesses within the same state lines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation