BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-02-07
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Diversified Consultants, Inc.
State: MD
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:
I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Utah System of Higher Education
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.

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 2015-06-08
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. 

I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. 

I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Astra Business Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continue to receive calls from " Astra Business Services '' XXXX, stating I owe money from XXXX XXXX XXXX from 2011. The person on the phone had an old address, and the last XXXX digits of my social security number. They requested my new address which I did not give them. I called XXXX XXXX XXXX and verified that I never had an account with them under my name and had no outstanding debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Real Time Resolutions XXXX I do not understand why this account is reporting XXXX on mine and my husband 's credit file. There is also a late payment on XXXX that is being reported that is not accurate. Please update and correct my credit file immediately or delete these accounts of our credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Utah System of Higher Education
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Recently - I have received threatening/harassing phone call & Emails from XXXX XXXX. XXXX XXXX - ( originally dealt with XXXX XXXX XXXX ) - examples are as follows : CONTACT # XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX " I am interested in Income Driven Repayment, and I authorize XXXX to place a forbearance on my account to satisfy any delinquency accrued on my account. I plan on applying for Income Driven Repayment through the Federal Student Aid website referenced on my email. I understand any unpaid interest will be capitalized. " ( these are XXXX generated words in an email } - I attached the words below to the email : FEDERAL TRADE COMMISSION WILL BE CONTACTED FOR THESE UNNECESSARY THREATS - MY BILL IS PAID EACH MONTH. XXXX XXXX CONTACT # XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX I HAVE CONTACTED BOTH FTC & XXXX XXXX XXXX ABOUT THE THREATS I HAVE RECEIVED FROM THIS COMPANY - EMAIL/ PHONE CALLS : XXXX XXXX XXXX / XXXX XXXX XXXX - YOU PEOPLE ARE DOING THIS BECAUSE YOU THINK YOU CAN GET AWAY WITH THIS - I REFUSE TO BE BULLIED BY XXXX EMPLOYEES - I WILL ALSO CONTACT LEGAL AIDE - IF I CA N'T GET HELP FROM THE ABOVE MENTIONED ENTITIES - I AM PAYING MY BILL EACH MONTH - YOU HAVE NO RIGHTS TO THREATEN AND HARASS ME. XXXX XXXX - End of second Email to XXXX. 
I also received threatening mail from XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Monday - Thursday XXXX - XXXX ; Friday XXXX - XXXX / XXXX The letter refer to my account as being delinquent although my bill is paid diligently each month - I supposed the amount is n't large enough to satisfy XXXX although its ' as much as I can pay - I 'm not living high - I drive the same car I purchased new back in XXXX when I worked for the XXXX - now I work for XXXX XXXX XXXX XXXX XXXX XXXX & the pay is minimum wage but working with XXXX is completely life changing & fulfilling. I do the very best I can to meet my financial requirements & am NOT shrugging off my responsibilities. The representatives of XXXX are acting like bullies - This is totally unnecessary for a customer who is paying the bill. Please advise me - Thank you for all your help & assistance. 
Respectfully, XXXX XXXX XXXX XXXX has n't been contacted yet - but I will - if you ca n't help me. 
This bill is for XXXX ( XXXX XXXX XXXX - a sham, a so called " business college '' - now Defunct.

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 2016-12-07
Company: Continental Finance Company, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Continential finance Debt collector, is threating to garnish wages, take me to court, they have been calling my phone resticted. 
I have not been served, and have not received any settlement bill from them

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes.

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 2015-11-13
Company: Dynamic Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Recovery Solutions called my home and sent a letter here for a debt owed by XXXX XXXX. I do not know an XXXX XXXX and this person has never lived here or used this phone number. 
This harassment has been going on for over a year by this company. I have filed complaints, received an apology from the company, and the harassment starts again after a few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX took my insurance card. Asked how injury happened. I said at work. the hospital attempted to collect from workmans compensation, without a claim filed. The hospital set a collection agency after me immediately. I told debt collector i would sue. Appears i now have to since it sits on my report falsely. I also lost my health insurance for 60 days because of this false workmans compensation claim. simonagency stopped hassling me, but here sits the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. 
They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.

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 2015-09-09
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir / Madam : I am writing to request an investigation on CitiMortgage for breaching the contract on my Optional Agreement payment plan I opened on XXXX XXXX, XXXX included with my monthly mortgage payments. I was laid off my job I held for XXXX years due to downsize on XXXX/XXXX/XXXX. I called CitiMortgage to get information on how to process coverage. I was transferred to several different people in various departments trying to see what I should do. No one at Citi knew what I was talking about or knew what the options coverage or completion plan fee was on my monthly statement. I was then transferred and advised about only on an unemployment assistance program ( UP ) and sent the forms out to complete and return to them to pay {$1.00} per month for XXXX months and pay the balloon payment by XXXX XXXX, XXXX. 
I have never been late on my mortgage for the past XXXX years. I have use my savings, XXXX, Unemployment and borrowed money to pay my mortgage until my unemployment ran out. I was only offered this Unemployment program. When I was sent these forms for this program all I have experience is hardship from the various letters I have been receiving about this program. I have been charged with an appraisal fee 's, and sent various forms for Modification, letters thanking me for agreeing to participate in the program that I have not returned as well as pictures of other homes others homes in the area comparing to mine. I have had people taking pictures of my home and a real estate agent come to my home XXXX wanting to speak to me about selling my home. I am feeling victimized and Citi Mortgage trying to force me from my home. 
I have copied various forms to show but too many to add to this system. I have been receiving larger amounts for payment, increases on the escrow payments due changing and raising the amount due since I satisfied the payments. Please help this company is trying to take my home after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.

Company response to consumer: Closed with non-monetary relief