BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Gordon, Aylworth & Tami, P.C., on behalf of XXXX XXXX XXXX XXXX sent me a summons and complaint that they were suing me for {$590.00} for a XXXX XXXX account I had never opened nor authorized. I did not ever receive any communications from XXXX XXXX, XXXX XXXX, or Gordon, Aylworth & Tami, P.C.,  and had no knowledge regarding the fraudulent account, until I was handed the summons at my door on XX/XX/XXXX. I filed an appearance and an answer to the complaint, denying that the debt is mine and that I was a victim of identity theft. According to the papers sent by the attorney, there is a statement of charges totaling approximately {$220.00}, which were not made by me. I have not received any documentation with my signature either, showing that I opened or authorized the alleged account with XXXX XXXX. I was only sent generic copies of papers from XXXX XXXX and papers from various firms, including XXXX XXXX, with a data file account blacked out, but nothing that specifically states or validates that they purchased an alleged account with my name, or were authorized to collect on alleged account. ( which they would have been fraudulently collecting on, since I did not open or authorize any account under my name! ) The account, per the documents I was sent, was opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. In XX/XX/XXXX I was contacted by USPS and also had contact with the IRS, regarding someone attempting to change my address to an address in XXXX. As I had not known about nor heard about this debt, which is not mine, until a little under a month ago, I feel my rights as a consumer have been blatantly violated, because I had not received any prior communication or notification regarding the fraudulent debt from XXXX XXXX, or XXXX XXXX, until I received the summons at my door, that I was being sued, on XX/XX/XXXX. So, from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge of the account, nor communication from the aforementioned companies, that would have enabled me to properly dispute the account and charges in a timely manner. Thank You for your time and attention to this matter. 

Respectfully, XXXX 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 2020-09-01
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I entered a one-time principal-only payment into the US Bank mortgage payment system of {$6500.00}. This appears correctly in my US Bank account. This is in addition to my {$2900.00} standard monthly mortgage payment.

2 ) The wrong amount was taken from my XXXX personal checking account. {$9400.00} was deducted ( in addition to the standard {$2900.00} mortgage payment ). As a result, my XXXX account is now overdrawn. 

3 ) I have had multiple issues with the US Bank online system, which I have reported to CFPB in the past. I tried once again to contact US Bank by phone using their listed office hours from their website, but an online message stated they were not open. I sent them an email instead, but do not yet have resolution.

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 2021-08-18
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I recently filed a complaint with CFPB against Celink reverse mortgage servicer ( see claim # XXXX XXXX. Celink recently mailed two insurance payment checks to me that I had been requesting for over 8 months. The payment was from two insurance claims that Celink did not cosign ( as they were supposed to do per XXXX XXXX XXXX ) and return to me ( for repairs on the house ). They just deposited the money in their account and kept it. After I filed a complaint with XXXX and CFPB, Celink mailed the two checks to me ( totaling almost {$14000.00} ... see original complaint ) and then responded to CFPB stating that they honored their commitment and they considered the case closed. However, as soon as they wrote to you, they stopped payment on my check. I deposited one of their checks for {$9600.00} on XXXX XXXX XXXX On XXXX XXXX XXXX  my bank notified me that the Celink check was returned unpaid, and now my bank has charged me a {$12.00} fee for the stopped payment check. In the meantime, Celink quickly sold my loan to another servicer, XXXX, effective XX/XX/. When I contacted Celink about the bad check their representative told me that Celink no longer has any responsibility with the loan and that I should contact XXXX for payment. When I contacted XXXX they said Celink is responsible for replacing the check ( and bank fee ) because Cellink kept my insurance claim money. Celink is in violation of California Penal Code 476a PC which forbids issuing a check intended to defraud - as Celink advised both the XXXX  and CFPB that they were issuing the check to settle my claim and then immediately stopped payment on the check. It is a felony if the check is over {$950.00}, which it is. Not only did Celink commit fraud with regard to the insurance payment, they lied about the false foreclosure they place on my property and still have not resolved that issue ( although Celink said they did ). Before Celink dumped my loan on a new servicer with thousands of money due to me, they suggested that I put everything I thought was an error in their CFPB response in a letter, with supporting documents, and mail it to a supervisor at an address they gave me. I did that and it was returned to me unopened ... Return to Sender, Forward Time Expired. I have never dealt with such a corrupt, dishonest company in my life. I want the money that they owe me and the illegal foreclosure removed. They have not resolved anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Navient Solutions, LLC.
State: OH
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:
NAVIENT whom has already been under scrutiny for its poor, shady collection practices is making it absolutely impossible to pay off my student loans. They try to put you in a forbearance or an income driven payment plan neither of which ever pays on the principal balance but continues to incur interest. I am doing my best to pay off my all my debts but this is unjust and impossible to pay off a loan under these conditions. Its hard for me to understand how this is even legal. If you reference the show the patriot act volume 2 episode 4 aired on XX/XX/2019 it gives a breakdown of how Navient is conducting business and it is absolutely unjust if not criminal. I have spoke with Navient in regards to me only paying the interest and it being impossible to ever pay the principal and i received no argument to my claim while on the phone, instead just what steps i need to take to begin paying them. Something has to be done, this seems unconstitutional like im being robbed because i spent a period of time in school trying to better my education, when in reality all these loans have done is allow Navient to place be in Debt that I will never ever be able to pay off. Please help me find a solution to this ongoing problem that's not only effecting me but thousands if not millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TD BANK US HOLDING COMPANY
State: VA
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:
On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX   account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX  to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX  and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX XXXX Act. # XXXX   XXXX/XXXX Act. # XXXX XXXX  Act. # XXXX-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX  | ( XXXX  ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX  ) XXXX  THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX Act. # XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE

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 2021-04-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I had received a call saying a owed money for XXXX XXXX XXXX XXXX but i thought it was a scam and i cut the call. However, I received a main XX/XX/2021 stating that this was an attempt to collect debt. I contacted XXXX  and they said I don't owe anything and nothing was reported for collection. I called the number on the letter and they stated that enterprise doesn't have information on this, which is clearly not true. I genuinely think this is a scam because I have never rented a car with XXXX and and confirmed with them too that I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted. 

XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: United Shore Financial Services, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New re-fi mortgage with United Wholesale Mortgage. First payment of {$1100.00} due XXXX. Scheduled payment through my banks bill pay. Payment was rejected by processor. Reentered the information and scheduled another payment. It too was rejected. Had XXXX draft both payments from my account to become current on the loan. They reported me to the credit bureau as being over 30 days late. You would think they would offer me some type of grace period before reporting me as late considering this is a new loan and there is obviously some issue with bill pay ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX from Wells Fargo is working on a response to my complaint, I want an explanation of why Wells Fargo would hire an appraiser outside of the County I live in to appraise my home, I want that question answered. This is relevant because if you go to their Website, that is one of the questions they ask you, what County you live in, if it weren't relevant then that would be a question they shouldn't ask and frankly they could hire an appraiser from another state and I wouldn't know it and what would that appraiser know about where I live? I still feel this is fraud. Especially when a mile away is a home appraiser in XXXX XXXX. I want that answered

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 2019-01-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am questioning our escrow acct my mortgage payment includes the taxes and home insurance I noticed on the statement that there is a discrepancy in the monies that is left over I contacted a represenative from Chase Bank who is the service provider but the person informed me that they are keeping the extra amount of money left over and that they had a right to keep it I am requesting that your agency look into this matter since I am a senior and I feel that I am being taken advantage of due to the represenative could not give me a clear explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my report.

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 2021-04-06
Company: EQUIFAX, INC.
State: SC
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:
There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. Any bad debt furnished on your reports are ruining my reputation and its defamation of character. 

XXXX XXXX {$80.00} XX/XX/XXXX XXXX XXXX {$80.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by  XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am missing XXXX points for my successful referral of the Amex Delta golden credit card in XX/XX/2017. I have contacted the customs service for serval times about this issue but still not resolved. They just closed my case. After I have submitted the first complaint through their customer service and they asked me to provide additional information about referral individuals. Then, I gave those to them and after several weeks they said they could not find a clue. After I submitted the second complaint from CFPB, they asked me to provide these individual referrals information again. I just could not understand. 

This is my third complaint and I attached their names, addresses and even card numbers. I think they should locate their application by those information. If this time they just simply said they could not validate the referrals. I will think this is a fraud approach to cheat customers. My friends have already had their open account bonus which is XXXX through my referral. why could not I get my successful referral bonus? 

I want to mention again the two XXXX bonus points already shown in my account should come from two people since they applied for the card on the same date and not as the custom said which two XXXX points were from one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a member of XXXX XXXX XXXX for many years. Last year they offered me a credit card and I agreed. Months later I came across a bill from XXXX XXXX. I didn't even know who XXXX XXXX was. But here was a Bill for almost {$100.00}. I called them to find out why they were charging me. 

Their rep explained to me that a charge of {$40.00} was for my yearly membership at XXXX XXXX. It was taken out automatically when due. I certainly was not aware of this. They have always told me at checkout that my yearly membership was due and I would include the fee with my purchase. 

I now understood what happened but was very angry. I had a very good credit rating and received many offers for additional credit cards. So, certainly I could have received their bill and not knowing what it was, just another offer for credit, and just discarded it like all the rest. 

There was No XXXX XXXX markings. There was nothing to distinguish this as a bill. I was not expecting a bill. I explained all this to the bank rep. I was speaking to and told her that I was going to send her the {$40.00}, but she should immediately close this account. 

I immediately did pay the {$40.00} which they charged my card but they kept sending me additional bills. I went to XXXX XXXX  and explained all this to the service person there and once again instructed her to close this credit card account. She called XXXX while I waited with instructions to close this account. They continue to send me bills. 

A short while ago I received an email from XXXX. I replied to the email that as I stated previously, my wishes were to close that account immediately. 

Now, most recently, my regular bank, XXXX  XXXX XXXX which I have been with for as long as they have been in XXXX, CT and the people at that location before them. They have now just informed me that one of my cards from them, ( I have three ) they were reducing the Limit from {$1000.00} to {$500.00}. 

Now I notice my other cards have increased rates. Which they explained that my credit rating has changed and they, in essence, had to adjust because of my activity with " Their Affiliate '' Bank. I am XXXX years old and now I am awake nights thinking about this abuse. 
Having greedy banks prey on Senior Citizens is not my favorite subject. 

If not corrected very soon, I shall have no choice other than to bring a law suit. Not only against XXXX, but also against XXXX XXXX XXXX for establishing a Monopoly where this is illegal. These people have now abused the law and violated my Civil Rights. 

Thank You for Listening. Respectfully Yours, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief