BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalation 's department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting " successor in interest to assume the loan once again due to divorce ''. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this substantiates my successor in interest to the mortgage to remove him from the loan. PHH already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current. I will attach the " successor in interest rules and laws '', as well as caselaw that states that once a party claims he or she is successor in interest to a mortgagee due to divorce and the home is located in Georgia, that all one of the party 's has to do is to inform the mortgage company that they are assuming the loan and to remove the other party from the loan. Again my former spouses emails states he wants nothing to do with the loan. He wants his name removed from the loan.

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 2021-12-19
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX.I only received XXXX back there was a month worth of computer generated messages and than I just recently got the response saying it approved and now the claim is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Halsted Financial Services, LLC.
State: UT
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 am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company asked for a {$7000.00} down payment on vehicle and did not included an insurance premium. As per 15 USC 1605 finders fee charge should be included in the finance charge and also insurance Premium or other charge for any guarantee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Shellpoint Partners, LLC
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working on a XXXX short sale with Shellpoint Mortgage - they set a sale date and foreclosed on the property today. They have foreclosed for {$48000.00} less than what was being offered to them on the short sale and the offer was above their determined Value

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered application Modification I sent the application back and THEY RECEIVED THE PAYMENTS I WAS TOLD, but after that, they started to refusing payment, my credit is getting very bad and when I called last time after several timer per week and i Got    XXXX    out, finally, this person told me that this bank will take my home and i have nothing to do, I told him thaT I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't recommend me to fight because any ways I have everything to loose.  Im  very DEPRESS and I do n't know if I should keep living or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME.   NOW IS THE THIRD TIME THEY AGAIN SEND ME APPLICATION AND I NEED TO KNOW IF THIS TIME  3TH  IS GOING SERIOUS BECAUSE I 'M VERY FRUSTRATED, EVERY TIME THEY SEND ME APPLICATION FOR LOAN MODIFICATION, THEY IGNORE MY APPLICATION WHEN I RETURN IT AND THAN THEY MAKE UP HISTORIES JUST TO GIVE ME HARD TIME AND SAID THAT THEY DO N'T RECEIVE SOME PAPERS THAT I FAX, MAIL AND EVEN E-MAIL TO THEM I REALLY NEED HELP AND ASK THEM TO TAKE MY TIME AND CONVERSATIONS WITH THEM IN SERIOUS BECAUSE THEY TOLD ME ONE THING AND THEY DO OTHER VERY DIFFERENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
Bank of America : Senior Account Manager was cooking XXXX on their stove, engaged in XXXX XXXX of XXXX purchasing and or selling of this XXXX XXXX, XXXX was a compassionate problem but the overwhelming abuse in the relationship caused nearly fatal consequences Bank of America should respond to the issue specifically on if they have a published public statement on drug use, intervention and other conversational matters of utility concern ( XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted 19 times from the time period of XXXX XXXX. The repeated voicemails were in regard to my sister and an account she may have. I stated that I do not have contact with her and have not for 7 years. I asked for my information to be removed as it is none of my concern. I have mailed two formal letters and asked repeatedly for the harassment to stop. My phone number is listed and used as a business line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We are long term Wells Fargo customers. Savings, checking, home equity and XXXX, and direct deposits. We check our bank account activity every day. In early XX/XX/XXXX we noticed a few checking account transactions for less than {$1.00}. These were quickly followed by two withdrawals of {$1000.00} and {$1500.00}. We immediatly notified Wells Fargo of this theft and the account was frozen and a new account established. The stolen funds have been refunded. Within a week of the thefts there were five {$300.00} thefts via XXXX from the new checking account to the same person. We didn't request these transfers and do not know the person to whom the funds were transferred hence didn't get our usual notice from Wells Fargo of these five XXXX transactions. There was also an unsuccessful attempt to take funds from our home equity account. I immediaely filed a police report with XXXX and it is an active case, XXXX XXXX. Wells Fargo refuses to refund the {$1500.00}. 
We have met 4 times with representatives at the local bank branches, two hours each. ( names and dates available ) Their only action was to submit a complaint to their XXXX XXXX XXXX Office. We met 5 different people on the phone for hours from XXXX XXXX XXXX Office.They also told us that we should feel fortunate that we only lost {$1500.00} as they see so many customers who loose everything. After the 2nd letter of rejection and decision to not refund the {$1500.00}, I requested a meeting with an area vice president. The bank manager said that the meeting could only be set up by the XXXX XXXX Dept. When speaking to the XXXX XXXX Dept, ( names/dates available ) they told me that only the local branch manager could arrange that meeting. XX/XX/XXXX I emailed a note to XXXX XXXX XXXX, XXXX and XXXX of Wells Fargo. No response ( I did not expect anything from him, but certainly from someone who moniters his emails ) Seven days later, I emailed the same note to the XXXX of Wells Fargo. We received a call and spent over an hour on the phone and were told that she would be our advocate and look into the case. She said, at first glance she sees things that appear odd. One week later we received another letter declining any reimbursement. 
We would appreciate any help you can provide to resolve this issue the same way as the theft from our checking account.

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 2015-05-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and three times and  may  vary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  XXXX  or more times. The  one  claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed, black marked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  two  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of -- -- -- -- -- -? I also went as far as the  AG  's office but they are compromised because they collect debt from the original institution which is a hospital.  XXXX   XXXX  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I checked two bags online ( {$30.00} each ) for a XXXX XXXX XXXX flight from XXXX to XXXX La XXXX on XX/XX/2021 and paid with CapitalOne Visa. I was charged again by CapitalOne Visa for {$60.00} on XX/XX/2021. 

I provided CapitalOne Visa with documents supporting my claim that I should only have been charged for two {$30.00} baggage fees from XXXX XXXX XXXX. 

Despite months of trying to resolve it, CapitalOne Visa refused to credit my account. 

Further, on XX/XX/2021, CapitalOne allowed 10 charges to XXXX for {$54.00} each plus {$37.00} to XXXX XXXX which were also fraudulent. 

I am the only authorized user on my card. I believe CapitalOne Visa employees used my account for their own personal use. They refused repeatedly to credit my account. I have since closed the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent XXXX payoff statements at {$25.00} each that were all incorrect. SLS then demanded that I provide {$4800.00} with our payoff amount to cover property tax bill, while there was {$7700.00} in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded {$4800.00} plus {$120.00} for incorrect payoff statements plus a {$140.00} fee for late payment which was incorrect as well. We are seeking a refund in the amount {$5000.00}.

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 2021-12-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, thank you for your assistance. I am working in California, and I changed my address in Texas ( moved permanent address ), and every debit card transaction I make gives me an error message about my zip code. I contacted XXXX Thursday morning about debit card declines and it worked through Friday, XX/XX/2021 then on Sunday, XX/XX/2021, I spent over XXXX hours on hold after speaking to a customer service rep, the call was disconnected and I called back to speak with XXXX, who shared that my card had not been declined since the XXXX of XXXX and she truly wanted to argue, I had to request to speak to a supervisor three times, I got XXXX who talked over me constantly, was not willing to listen to me report the multiple decline messages for " zip code. '' However, on my end it was declined by Turo Car Rental, XXXX, and has rendered my XXXX account not useable. All because of a zip code error, and now I have been on hold again for over an hour, with argumentative, gas lighting Chase employees, and how does a large institution such as Chase not update a change of address? I was, just now, disconnected again. I have found it impossible to even get ahold of them. When I do I receive substandard service, in 2021 do they not comprehend that people travel for their work? I am also due {$250.00} because of my direct deposits that have funded my checking account that they promised when I opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked numerous times to have Money Recovery Nationwide remove my collections off my credit reports. To which they respond they do not do removals. 
I made a payment arrangement to have these collection tactics stopped and reported every month. I am disclosing why Money Recovery Nationwide is wrongfully posting these collections on my credit reports, and also how MRN is collecting on accounts that are not valid. 
First off a new balance is added to my credit report as a " New Collection '' instead of updating a current balance. When I have contacted MRN they tell me they are new accounts that are going into collection and they have to report them. 
I only have XXXX accounts with XXXX XXXX Hospital ( See attached documents ) The letter of verification MRN sent me has numerous account # 's and none of these numbers are matched up to my XXXX XXXX XXXX account #. ( Attached are documents ) My accounts # 's are XXXX and XXXX MRN has Different Account # 's on the Verification of accounts all XXXX of them. 
Also I am attaching a Bill MRN says is from XXXX Hospital ( who the debt they are collecting on ) As you see, it says Guarantor account # is one of the numbers with my XXXX account. Which is how my account is setup through XXXX which I verified with the XXXX XXXX. The other discrepancy in this bill is that it is fake, I will find the original bill and show you if needed that XXXX Hospital Billing and accounts are in XXXX Michigan and not XXXX Michigan. This was verified by XXXX XXXX themselves. They do not have any offices in XXXX Michigan. MRN is out of lansing they explained. 
If MRN continues to argue that my accounts are separate and do not remove my collections. I will have to take further legal action and I want to avoid this. 
I was never notified that MRN was going to collect on these debts, I was only notified when my Credit Report showed them. 
I want all these debts removed immediately.

Company response to consumer: Closed with explanation