BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Financial Control Services , LLC ( FCS ) is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, FCS has violated the following provisions of the FCRA and FDCPA. 
FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) FDCPA : 15 U.S.C 1692c ( c ) 15 U.S.C 1692e ( 2 ) ( A ) I originally received correspondence from FCS of an alleged debt dated XXXX XXXX, 2015 ( Attachment : FCS Debt Notification ). I replied to FCS in regards to this correspondence on XXXX XXXX, 2015 asking for validation of the alleged debt ( Attachment : Debt Validation Letter to FCS ). I also requested that FCS " cease and desist. '' This correspondence to FCS was sent via United States Postal Service ( USPS ) using certified mail receipt and delivery confirmation. My correspondence was received by FCS on XXXX XXXX, 2015 by FCS 's employee XXXX XXXX ( Attachment : FCS Dispute Letter Receipt ). FCS provided correspondence dated XXXX XXXX, 2015 ( Attachment : FCS Dispute Response ) in response to my dispute notification. In the correspondence, FCS stated that they were ceasing collection efforts and removing the account from all consumer reporting agencies. 

On XXXX XXXX, 2015, I received a notification from my credit monitoring service, Identity Guard, that a new account had been placed on my credit report. This account was an alleged collection account reported by FCS with a balance of {$620.00}. This is after FCS stated that they were ceasing collection on this account and that they were not reporting the account to the consumer reporting agencies. 

FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because they are reporting information that they know is erroneous. FCS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) because they are reporting information after I sent them notice of the inaccuracy of this debt and they confirmed the errors. Additionally, FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) because they have not annotated the account as disputed and are still reporting this disputed account on my credit reports. 

FCS is in violation of 15 U.S.C 1692c ( c ) since an employee named XXXX at extension XXXX contacted me several times after I provided written notice to FCS to cease communication. FCS is also in violation of 15 U.S.C 1692e ( 2 ) ( A ) by falsely representing the amount and legal status of the debt. 

As per evidence presented above, FCS is in violation of multiple provisions of the FDCPA and the FCRA. I request that FCS delete this tradeline from all consumer reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
SUBURBAN CREDIT CORPORATION has attempted collecting on {$120.00} of medical debt claimed to be incurred during my visits to XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The collections company states that i failed to make the {$60.00} co-payments during each of these visits. However, I have paid every bill presented to me by the Doctor 's office and the collections agency can not or is not willing to prove that i have not made these payments. 

The Doctor 's office never billed me for these co-pays or mentioned during my many visits to their practice even month 's after these claimed unpaid visits. I would have definitely paid if they had asked me for co-pays for these visits ( which were by the way follow up visits requested by the Doctor ) either during or after the visits. 

I have a spotless credit history and have pay every bill that I owe. However, I wo n't be bullied by a collections agency into paying debt that i do not owe and which they can not provide evidence of non-payment off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX now Navient has re-aged my Student Loan history again and again with multiple listings of the SAME accounts the various bureaus. I attended XXXX and then XXXX for my XXXX. The date of original delinquency for ALL loans is XX/XX/2009. They are ALL rehabilitated and with XXXX now which is correctly reporting. Navient did not mark the closed accounts disputed with any of the various XXXX. I have disputed the accounts with each XXXX stating that the original date of delinquency is XX/XX/2009 and duplicate accounts showing a later date of delinquency represent a reaging which is illegal under the FCRA. I just want the negative information to be deleted based on the original date of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-02
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: ERC
State: FL
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:
I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This co claims to be a agency that collects past due traffic tickets. I have a ticket that is not paid, however on the mailings they send me they only have an amount. they do not give a citation # or anything pertaining to the ticket. the internet list numerous of people they constantly call and threatened them. they call my number every day. 
I want to pay the ticket, but not to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our daughter XXXX six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.

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 2020-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been XXXX by the loaners. I can not continue to have them garnish my wages because i have been trying to pay them off for years and now i can not even attend college anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to obtain a XXXX home mortgage loan for roof repair from Wells Fargo. They declined saying I was " late '' in making payments in the fall of 2013. This is not true. During that period I underwent a loan modification process and during that process WF specifically advised me to not make payments. 

More importantly, last week I sent you an official print out of my payment history to Wells Fargo that I received FROM THEM. It shows NO late payment in the fall of 2013. 

I have also sent this official print out to the XXXX credit reporting agencies so they can correct their reports. 

Therefore, Wells Fargo should stop lying and grant me a mortgage loan for roof repairs. 

thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. 
It needs to be removed at once/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.

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 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: National Commercial Services, 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:
National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Your previous solution to our complaint was to completely wipe my wife 's credit profile?!?! So now you are going to report that my wife has no credit history, when she's had previous credit cards, previous completely paid off car payments, a house payment that has never been late, etc. How can a company be this incompetent? Just pick up the phone and call us. Pick up the phone and call XXXX  or XXXX and get the right information. This isn't hard. 

As we contemplate our next legal steps and pursue legal counsel, we'd like to get this resolved as soon as possible to not have to go down that road. This issue has cause my XXXX  wife tremendous stress and is bound to delay our refinance, in which we stand to save over {$200.00} a month.

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 2016-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue

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