BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
TRANSWORLD SYSTEMS INC is reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV from the company and I do not have knowledge of this debt. I work very hard at keeping good credit and this collection has significant effects on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I spoke with XXXX XXXX XXXX. I told them that IXXXX was out of work and they agreed to allow me to make payments to them. They came to my house unannounced and removed some trappings from around my house. I was then contacted by Transworld, and the collector threatened me and said that this would be my only chance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ray Klein, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted Professional Credit Services to assist me with settling a long standing debt with XXXX XXXX XXXX. I explained very clearly that I am the XXXX of a XXXX parent and that I was her sole breadwinner. I was told by one representative ( XXXX ) that I would be able to settle this debt and get it removed from my credit report. XXXX transferred me to a man named XXXX who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was XXXX. I told him that I would n't do that and that because of how he was treating me considering that I initiated the call myself to try and get this debt settled, I disconnected the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with XXXX requirements to CommonWealth Financial. I had my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Funding purchased this loan from XXXX XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. Midland Funding has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My brother XXXX XXXX called me stating a male debt collector called trying to verify my information over the phone. My brother told him he had the wrong number, that they were trying to reach me, his sister XXXX XXXX, not his wife, who is also named XXXX XXXX. The debt collector then proceeded to report my specific account information to my brother XXXX credit card name, amount in collections, etc. ) and gave him the return number and extension to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
AMEX Prepaid card purchased by my company in XX/XX/XXXX and handed out to employees at a sales training event. Card has been in my possession since I received it. I did not attempt to the use card until XX/XX/XXXX. Merchant declined the card due to {$0.00} balance. Called AMEX and found out the card was used at a gas station in XXXX XX/XX/XXXX. I live in XXXX, XXXX and have never been to XXXX. AMEX tells me they can not do anything. They tried to give me the phone # of the merchant in XXXX which was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ERC
State: CO
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 was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!

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 2016-03-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC continue to send collection letters for a debt that was already paid to them. Their attorneys XXXX XXXX and XXXX offered me to delete the credit report in exchange for the payment in full of {$1200.00} as of today they have not deleted the credit report and they continue trrying to collect the debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Meade & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ability Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. 

The new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. 

We 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. 

To date, we 've received no respond at all from Green Tree on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been trying to close an HSBC for 8 months. 

I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person. 

Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash. 

I can not get away from this company. Help!

Company response to consumer: Closed with monetary relief