BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Rosen Legal, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In an effort to clear up info related to complaint : XXXX, I wish to be clear that out issue is with subprime lender XXXX XXXX  and not XXXX XXXX - which is whom sought the loan for us. To recap, my wife XXXX XXXX XXXX XXXX XXXX and I are being sued for approximately {$50.00} on a predatory loan from the summer of XXXX. We are both of working class means and a judgement on their behalf would be financially devastating and would likely end with bankruptcy. 

Another point to consider is that we were offered and accepted, a XXXX for XXXX program in late XXXX - early XXXX, which we completed under the agreement that we would vacate the residence with the understanding that we would not longer be responsible for any related forthcoming debt ( on the property / mortgage ). 

Furthermore, the name of the bank and the amount keeps changing XXXX from XXXX XXXX XXXX  XXXX was one of the major drivers of the collateralized debt obligation ( CDO ) market during the housing credit bubble from XXXX to XXXX, creating about {$32.00} XXXX worth. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report on XXXX XXXX and the Financial Crisis analyzed XXXX XXXX  as a case study of investment banking involvement in the mortgage bubble, CDO market, credit crunch, and recession. It concluded that even as the market was collapsing in XXXX, and its top global CDO trader was deriding the CDO market and betting against some of the mortgage bonds in its CDOs, XXXX XXXX  continued to churn out bad CDO products to investors. 

Any assistance and/or advice would be greatly appreciated. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Fleet Financial Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have an open loan with XXXX XXXX XXXX XXXX because XXXX refuses to give XXXX XXXX them the title. The problem now is, I need XXXX XXXX to apply the loan payment to XXXX   XXXX XXXX XXXX or they need to unwind it, which isnt something desirable for either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Phoenix Financial Services LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted them regarding a hospital debt for {$630.00} and another hospital debt for {$1700.00} that was paid by insurance they insist this debt is still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX   and deeclined me right to establish credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was charged legal fee for a attorney but they can not give me details on what the what the attorney did. I also hired a attorney and my attorney did all the work. Was told by the banks attorney to just send him all the information to approve. His fees was {$8200.00}. I have requested exact details on what the attorney did and was sent the same court documents that was sent to me by the court. No proof of what the {$8200.00} went for. I have emails showing the banks attorney did nothing. When asked about if they hold the attorney to a standard was told no they get a invoice and they pay it and I was responsible for paying the bill. When I pointed out that their attorney almost settled for {$14000.00} when cost to remediate the damages was over {$60000.00} was told that it was not their issue. Mr. Cooper did not hold their attorney to any standard and let the attorney charge for doing nothing. In addition, I was never told they hired a attorney nor did the attorney contact me to find out information on how the imminent domain case impacted the property. I do not feel I should pay for both attorney fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX and Webster bank. Several problems : 1. Requested through another bank to transfer funds out. It's been 20 days and despite several promises, nothing. Very long transaction just to make a transfer. 
2. Even with the long wait to transfer, they were able to send a check for the wrong amount and for benefit of the wrong person but under my account number. The gaining bank called me and was very confused. An hour on the phone corrected it!

3. As a veteran when seeking VA medical care, the bank can't deposit funds employer contributions to my account. That changed on XX/XX/2016, under the Veterans Health Care Choice Improvement act. Did XXXX XXXX change their continued policy of not depositing those funds? Nope. 

This bank is the worst financial institution I have dealt with. Very poor and customer service is non-existent even after making several calls to the bank with their promises to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Life Line Billing Systems, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX trying to collect a debt that the day I originally occurred the debt is past the 6 year statue of limitations and it is still negativily impacting my credit. I believe it's manupilative business practices which they should be held accountable. The account is duplicated on my credit I believe driving my collections up to negatively impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I got a loan for {$1000.00}. My payments were {$170.00}. I checked on line on my account after the payment was drafted out of my bank account. The monthly payment jumped up to {$330.00} due on the XXXX day of XXXX. These people are a rip off and need to be investigated. I am on a fixed income and can not pay {$330.00} a month. I only get {$1400.00} a month. Something is wrong with these people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my American Express Delta Gold Sky Miles Card and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all American Express accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing IQ DATA INTERNATIONAL but their saying its accurate. I never legally signed a lease with that apartment complex and I felt misled and taken advantage of because they made me pay the security deposit to put the apartment in my name before I even signed anything. I have no information of any agreement between us but their saying I owe over {$4000.00}. So I feel like they put that apartment in my name without my consent just because I paid the security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Greene & Cooper Collections LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Creditor ( XXXX XXXX  ) hired lawyer ( Green & Cooper, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or one cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.Greene & Cooper does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable!

I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX my 401k check in the amount of $ XXXXCk # XXXX check was sent to my soon to be ex-wifes address where she took the check and sent it through Bank of America night depository account in XXXX ga. Ive contacted and done everything Ive been asked to do to get my money back and no one wants to help me at all. 7 long months I have suffered a financial hardship due to a negligent act from this bank. 
The bank has tried to tell me this is a joint account. Ive never had a bank account with Bank of America and certainly never will through all of this. 
I have waited almost 7 months trying to get my money back from this bank. I have no job and this was my source of survival. How can this bank be this negligent? How long can I expect it to twk to receive my money back?

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 monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was never late on the following accounts : XXXX  XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.

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 2018-12-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFDS with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/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 2019-05-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am behind in my mortgage, and trying to sell my property. I received a grant from the Maryland XXXX   when I purchased, that was supposed to be paid back upon sale. I received a payoff from Carrington Mortgage on XX/XX/2019. The payoff reflected an " other unpaid expenses '' amount of {$5400.00} with no breakdown. There is a breakdown of attorney 's fees attached to the payoff of {$4000.00} ( a difference of {$1400.00} dollars ). There was also an escrow overdraft of {$8900.00}, with no breakdown, or explanation. The title company has been contacting Carrington since XX/XX/2019, to ascertain if the grant is somehow being collected in these numbers, and essentially get a breakdown. They faxed and emailed requests stating the concerns, and only received a new payoff with higher, also unexplained numbers. I have a buyer that is ready to purchase my property, however my realtor can't calculate a sales price with XXXX XXXX dollars unexplained. I have asked them to postpone the foreclosure, and I was told that Carrington is not postponing any foreclosures right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Tri-State Adjustments, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tri-State adjustments is trying to collect a debt that is past my state statute of limitations so I no longer ordered that plus they are reporting it to the credit bureaus and it is negatively impacting my score. I also believe that there may be more than one account related to a single debt reported to my credit agency which is making my turn off balance of amount of money old go up inaccurately

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 2018-12-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The company, Capital One, reported to you that the issue had been resolved in my complaint, that is not true. They told me a refund would be issued for interest fees and over charges. Complaint # XXXX initial complaint.. I trusted they would do what they said, but have spoken to XXXX XXXX several times now and have been given every excuse in the book as to why I have not received my money. I don't get interest on the money that they owe me, but they sure found a way to charge me. Am playing the waiting game for my funds, if it were me doing this to them I would be in collections already. I just want MY MONEY RETURNED and to be done with this company and the way they do business. My opinion, they need to be investigated to see how many others are put through this when wanting to close an account. I have cut up and returned both credit cards and should no longer receive a statement from Capital One. It truly can't be this hard to issue a refund in form of a check mailed to me. 
PLEASE HELP ME WITH THIS COMPANY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX  the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. 

This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX  ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
After being told I had to provide ACH authorization to get a loan, I was told I was unable to revoke it.

The FDIC and CFPB both state you should be able to revoke an authorization.

This company uses a loophole in Ohio law under a mortgage act to use these deceptive tactics and predatory lending practices. Their interest rates are in excess of what Sate of Ohio lending laws are supposed to provide.

Their true nature is not revealed until after you can not get out of the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation