BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Hauge & associates continue to call when they were told not to call.I have filled bankruptsy and they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Paramount Recovery Systems has put amounts of money owed, but I have no idea who they are or representing. These items are duplicated and triplicated on my credit reports. These amounts 1st appeared on my reports in XX/XX/XXXX, and now they appear as XX/XX/XXXX. These are the account numbers : XXXX {$38.00} ; XXXX {$56.00} ; {$330.00} ; {$330.00} ; {$220.00} ; {$280.00} ; {$280.00} ; {$220.00} ; {$220.00} ; {$120.00}. I have tried to get these items removed from my credit reports without success. I really need your assistance with this matter

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint. The original complaint detailed how I lost my job due to COVID and had to move away from the health club. I sent both calls and emails to the health club informing them I moved away and I was seeking to cancel my contract with them. The earliest email I have was on XXXX XXXX, 2020. The debt collection agency claimed that I only cancelled in XX/XX/2020, but see the email attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Greene & Cooper Collections LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-20
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SLS has demanded that we pay flood insurance on our property. FEMA will not even allow us to purchase our own flood insurance because they state we are not in a flood zone. In the meantime SLS continues to charge a ridiculous rate of $ XXXX/year for forced flood insurance on our property. 
To make matters worse, we entered a modification agreement with them and was told to make our modified payment as a trial period. At the end of the trial period they sent us modification documents that included a balloon which was not the original agreement for a 30 year fixed. We now can not refinance because they state that we are 5 months late on our payments due to incomplete payments during our " trial '' period. We were never warned this would make our account delinquent when we entered this agreement.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX transunion XXXX not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it

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 2021-03-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This appeared on my credit on XX/XX/2017. I however did not have XXXX at the time. I have tried disputing it and asking for proof etc and they are unable to provide me any. I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Northstar Location Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.

Company response to consumer: Closed
Consumer complaint received 2015-07-23
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Account Control Technology, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account had a fraudulent credit card purchase which I refused to pay because of the fraudulent charge which I informed Discover Bank to correct before I make a payment. During this time I was reported on my credit report 30 days past due to my credit reports. I am requesting that Discover remove the late payment they reported on my credit reports as this incident resulted from Identity Fraud and fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act, claiming they have no discretion to work with credit agencies to resolve this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: AK
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:
Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXXt being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: Travelex NY, Inc.
State: DC
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Customer service/Customer relations

Complaint:
I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.

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 2021-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
from XX/XX/2020 to now, a bankruptcy was removed and returned, removed and returned, removed and returned to my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature. 
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature. 
3 ) My non-expired debit card issued to me by the bank, bearing my signature. 

The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Ive had a loan with AES since XXXX. Ive always been on time with AES paying on time with no problems. In XXXX I had some financial Issues going on internally. My bank account weas locked due to a claim going on and a couple of my AES payments were sent back. With no notice or warning or information provided AES blocked my online access. I am unable to go online and view my account, make online payments, make telephone payments or see the status of my loans, interest charges or update information. I have called AES and asked them if I could speak to financial management who blocked my account and they said there is no way i can talk to them at all to explain my situation. I can provide information to them why my account was blocked. AES has no desire and made no efforts in working with me to resolve this situation. When i am able to wait hours to get on the phone with AES I called and spoke with a representative, he told me i can only send in checks or XXXX XXXX XXXX XXXX to AES. I was still suffering from financial issues and AES did not help in the payments I could make. I sent in a check when i could and AES did not put the money on the desired loan I previously spoke with a AES employee about. As a result my loan defaulted. AES also abuse customers with interest rates. My principal balance hasnt gone down at all. I have been paying interest for 5+ years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX I contacted FedLoan Servicing XXXX to request forbearance for payment of {$830.00} that was scheduled begin on XXXX XXXX, 2016. This request was scheduled to last from XXXX XXXX - XXXX XXXX, 2016. On XXXX XXXX, 2016 I contacted FedLoan Servicing after receiving a notice on my account that I was scheduled to owe a payment of {$830.00} on XXXX XXXX, 2016. After speaking with the servicing company, I was notified that my forbearance request had been backdated to approximately XXXX of 2016 despite the fact that I owed a balance of $ XXXX during the months of XXXX and XXXX 2016. I did not agree to have my forbearance request backdated and I was not informed at any time of these dates in my original request. This company also charged my account capitalized interest that was back dated for the months of XXXX and XXXX 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FBCS/XXXX XXXXXXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. 
I REQUESTED SOMETHING THAT I SIGNED

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