BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: Utah System of Higher Education
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have repeatedly sent information to XXXX  to request IBR, etc as I am not in school. I can not afford to make ANY payments. I work at a restaurant and hours have been cut due to the season which causes a reduction in business. I supplied my check stubs and was advised that based on tips that were averaged that I do not qualify. My check stubs at the time showed I made about $ XXXX/ {$15000.00}. I have repeatedly faced this information. My family has faced information including check stubs. I ended the year {$17000.00}. No one knew anything, the answers were ludicrous, and no one seems to care. I am struggling to pay rent and my mother tries to assist if she can, she has XXXX XXXX and this is causing her to stress which can lead to an Exacerbation/Relapse. She has been able to enter an IBR as our financial situation is hard especially after her hospitalization. She is in Texas and I in Massachusetts because it is hard for me to continue school and her health has/had taken a toll on me which contributed to failing some classes. XXXX  has people working there that calculated income that was twice as much as I made with only at that time 2 months left in the year. I did not work XX/XX/XXXX _ XXXX XXXX and am only receiving 1/2 or  less of the hours I should receive as a full time employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.

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 2015-07-17
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Caller stated that they were from Credit Corp and would not give a mailing address or their License number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: ZIONS BANCORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.

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 2023-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account shows inaccuracy in the report of the 3 credit agencies showing in equifax that in XXXX and XX/XX/2018 late payments were made, and in XXXX XXXX and XXXX. thing in which I never had any late payments, and this report is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Nationwide Intermediary Services llc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
BB & T bank charges ISF fees of {$36.00}, even though at the time of the transaction and available balance is greater than the transaction. They lump up all pending charges with no regard of when the time of the debit transaction continue to charge ISF for each, even though there was a positive balance available to cover the majority of the charges.

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 2015-09-24
Company: Law Office of Joe Pezzuto, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-05
Company: Consumer Real Estate Finance Co.
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continually harassing and reported on my credit report a debt that i didnt owe and its not mine. It is a medical expenses and showing on my credit report violating the HIPAA privacy act. I would like to take legal action on this incorrect reporting and would like to follow up with the collection agency legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Convergent Resources, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX unknown collection account appeared on my credit from a company called Optimum Outcomes. I disputed all XXXX accounts with the credit bureaus and XXXX were removed. 

I have contacted Optimum Outcomes XXXX times by way of certified mail and they have totally ignored me. I dont know what the debt is for although on my credit report it say medical. I have full medical benefits. I have requested that they remove the account and contact me only in writing but they called my job. 

Optimum Outcomes XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Finance debt of roughly {$600.00} appeared on my credit report. I have never dealt with this company or had any medical expenses. I need this item removed as it is negatively affecting my credit.

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 2015-04-21
Company: Moxley & Associates, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received notice that my wages are being garnished. I received no paperwork concerning the " judgement '' that was issued. It was my understanding that I was to be served paperwork concerning the judgement. To this day, the only paperwork I received was from employer informing me of this garnishment. I do believe that the garnishment is illegal since no judgement paperwork was never served on me at either my residence or place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Convergent Resources, Inc.
State: CA
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:
This is another bogus attempt by Convergent Outsourcing to collect a bogus XXXX debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AMR called attempting to collect on a small XXXX bill on XXXX/XXXX/15. XXXX left a message concerning " personal '' reasons. I called back and talked with XXXX XXXX ( female ) who then stated it was a debt collection and asked to verify me. She then told me my birthdate, last XXXX of my social, and an old address and asked if this is me. I stated " sure '', surprised that even if it wasnt me I could have said yes and gathered all that information given and stole my identity. I then told her it was an old address and asked what it was regarding. The collector became rude and short tempered. I asked for proof of the bill. she stated it was mailed out. I told her obviously they had the wrong address and I had given her the correct XXXX. She stated they " didnt get the mail back '' and told me she would mail a new statement out and hung up on me. I was surprised by the unprofessionalism but more importantly that she gave my information freely to anyone. If I hadnt been me, would she have asked the person to forget all that information she just gave out. I called back and spoke with a supervisor, XXXX, who apologized and stated they would pull audio recording and review and a supervisor would call back. I was called back by XXXX who stated he was a supervisor and had reviewed the audio. XXXX stated that the collector " followed the letter of the law '' concerning my privacy. That he apologized for her behavior. No laws were broken and as a matter of fact they had other bills in office for my name, my sons name, and my daughters name and now we will send you all of these so the original amount we stated was wrong. ( another violation- attempting to collect an incorrect amount for a debt ). He stated again that the letter of the law was followed by giving all the information out and asking " is this you? '' before giving out additional information. I am EXTREMELY uncomfortable with anyone having my information and giving it out so freely. Isnt this a violation of the privacy act?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed on a credit report they were trying to collect on a debt that has pasted the statues of limitations. When I called and informed them, they claimed they didnt know. I discovered today they filed again against my credit lowering my score 17 points, and increasing the debt by XXXX . 

I tried to call again and their phones are disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was given  to 21st Mortgage Company, which is a loan servicing agency. My loan went into default and I went through the Court system and Housing Agency to save from foreclosure. I have not received any monthly mort gage statements from this company since  XXXX   XXXX . They change my interest rates ever time I speak to them. T he Housing Authority faxed them letters from me 1. Requesting  permission for them to speak on my behalf an d 2. Re questing monthly mortgage statements to begin again. That was on  XXXX   XXXX ,  XXXX . As of now, no statements received. Their story, as well as people, change ever time I call them. Now I do n't know how much my mortgage payment truly is and where payments have been allocated. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent and excessive calls to my place of employment without identification of whom they are and to what the issue of business this is specifically pertaining to. Research on google has identified this as Convergent Outsourcing Inc, debt collection agency that uses fraud and/or illegal tactics to collect personal information for an alleged " debt '' owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and Earlywarning systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Conn's, Inc.
State: TX
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 purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.

Company response to consumer: Closed with explanation