BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: Concord Servicing Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. 

The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. 

We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. 

To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.

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 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I went to Bank of America. XXXX XXXX XXXX. XXXX, PA XXXX around XXXX today XX/XX/2018 and had a check to cash from my insurance. I waited for the next teller and when I got to the counter I explained that I was not a customer but the check that I needed to cash was from an account holder with Bank of America. I was asked why I didnt take it to my bank and I replied that I have been out of work for over a month now due to XXXX XXXX and had XXXX. My bills got behind and I am trying to keep lights on and not have stress worrying about my car being reposessed and I can't wait 3-5 days for it to clear at my bank. I went on website and saw that they advertise that they will cash a non account persons check drawn from the Bank of America for no more than {$5000.00} for a fee of {$8.00}. So I figured it was within tights to cash it there and get bills taken care of and relieve some stress from myself. I was then told that they did not have {$5000.00} cash on hand to cash it and not for someone without an account with them. I said if I open an account how soon can I pay bills from it. I was told 3-5 days and that she new this to be right because she was the Bank Mamager. I was so upset and embarrassed at this point that I left the building and came home. When I got home all hysterical my Husband said to calm down and he had me call FTC at XXXX. I spoke with a lady named XXXX that gave me instructions to file on line. She offered to do it over phone as well. I hung up the phone and called XXXX to get the lady managers named on duty today and was told her name is XXXX XXXX. So now I have the name of the teller that I talked to since she addressed herself as the Manager. I tried to call over the weekend to verify the information was correct. XXXX and could not talk to a live person unless I had an account number. I do not feel I was treated fairly and they advertise that they will cash a check for Thats amount for a fee.

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 2022-09-16
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gas company wants me to pay XXXX for services that occurred after I sold the property. I called and let them know I was moving and they still send me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my checking account and my one chase c.c. Spent 40 mins. On phone they gave no explanation besides it's within the right to do what they want. Bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have started calling my place of employment and my manager has asked them to stop. I made payment arrangements with them but I this month I was unable to keep the arrangement. They are harassing me at work hourly.

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 2018-04-21
Company: Experian Information Solutions 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 am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.

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 2018-04-21
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the Second Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged onXX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX XXXX XXXX  being represented by XXXX XXXX XXXX, ( A # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX   ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX onXX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SYNCB/XXXX XXXX  XXXX XXXX HAS A BALANCE THAT IS VERY OLD ON MY CREDIT REPORT, I BELIEVE IT WAS RESOLVED AND SHOULD NO LONGER BE ON 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 non-monetary relief
Consumer complaint received 2021-08-15
Company: QC HOLDINGS INC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/21 I went into Lendnation in XXXX to pay off a {$350.00} loan I had just made on XX/XX/21. I was told I could loan again, but I wanted to keep my payments around $ XXXX {$200.00}. I asked about what the terms of the loan would be, the employee seemed surprised to being asked such a question but rattled off a bunch of figures ... if you loan this much for this long your payments will be .... it was a lot of info not easily digestible so I asked if she could show me what she was talking about. She couldn't twist the monitor so I could see, didn't try, didn't print anything at all. 
It was the very end of the day,, they were closing ... So, I picked one of the options ( I think ). 
I know she funded {$650.00} to my debit card. I know my due date is the XXXX. 
I did not receive any documents to take home at all. I signed three papers, one of which said APR and the finance charge and total payments after all paid according to schedule. 
I commented on the number I briefly saw, and went to point to it but the employee quickly interrupted me and turned the page where she indicated for me to sign. ( Since I had just paid off my previous loan at pretty reasonable rates [ it seemed, retrospect shows it was because I paid it off a few weeks after getting it ] ) Afterwards, I looked at the paperwork from the previous loan, as I remember insisting they print that one for me. The previous loan was for {$350.00}. I was in shock to see the finance charge on {$350.00} for 11 months was {$820.00}! If I had gone to full term I would have paid {$1100.00}!

This seems as they say, UNCONSCIONABLE. 

When XXXX came around,, I did not have time to call Lendnation before closing to see what my payment due that day was supposed to be. - no paperwork.. 
So I decided to put debit card controls on my bank card that day with plans to call or go in the next morning. 
When I woke up the am of the XXXX, my bank had alerted me to the fact the night before there was 2 denied attempts of withdrawal, which I expected, but in addition they had just got around my debit card control options ( which was to block any charge over {$100.00} ) by making 4 consecutive and equal charges of $ XXXX. 
This was at XXXX. I was mad. 

THE ATTACHED IS THE PREVIOUS 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 2020-06-26
Company: SN SERVICING CORPORATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FDCPA VIOLATIONS - REFERRED BY FTC SN SERVICING XXXX XXXX XXXX IS CONTACT XXXX FDCPA violations since servicing loan that it did not originate and the loan was in default at the time servicing is received, hence SN Servicing is a debt collector. 

2 ) SN Servicing added in debt that was written off by prior owner. XXXX. 

May not use unfair or unconscionable means to collect or attempt to collect a debt. 
Collect any interest, fee, charge, or expense incidental to the principal obligation unless authorized by the original debt agreement or is otherwise permitted by law. Use any False, Deceptive or Misleading Representations to the court, and to their client, the investor, on history of the debt. 

3 ) Forced Place Insurance was imposed without notice. They sent notice to address they knew was incorrect. 

4 ) DENIED Covid Forbearance based on original of debt from 2008 default? And ignored our many covid related losses. 

5 ) ACTION - Threaten to take any action that is not legal or intended, constant threats of litigation if we applied for COVID 19 forbearance. 

6 ) ESCROW / PROPERTY TAXES - trail mod contract explicitly states the we pay them escrow for property taxes, which we do and did, and they apparently stopped paying property taxes last year, despite their constant legal threats to sell home, and their actions in court to sell it, which were deemed illegal and cancelled.

7 ) SN SERVICING TOLD US THEY DO NOT HAVE THE POOL SERVICING AGREEMENT FOR OUR DEBT, NOR DO THEY HAVE THE ORIGINAL DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.

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 2021-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I responded to an inquiry in early XXXX from this company that I did not authorize. I never received a response.

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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account was opened older than 10 years and should be removed from credit 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 2017-08-07
Company: Crown Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been trying to make a transfer from my bank account to another person using XXXX. my underlying bank account is at PNC. PNC would allow me to transfer money FROM XXXX to myself, but will NOT let me transfer from my account to another person. In other words, PNC is fine using the app to take more money, but is not fine using the app to allow me to transfer money. 

This has been going on since last week, and is inhibiting me from paying rent, utilities and other local vendors. I have called, emailed and XXXX   PNC and aside from telling me to re-verifying my account, they have told me they are unable to help. XXXX places the blame squarely at PNC. Further, there are a number of articles suggesting that this issue has been going on since 2019, and it is a way for PNC to steer people to its own proprietary platform. 

I can't seem to get my bank to help me, and especially with the branches closed due to COVID, they are essentially holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. Someone opened a credit card and applied for credit using my social security number. Equifax has been sent a copy of my driver 's license, W2, utility bill, identity theft police report, and a notarized FTC Identity Theft Victim 's Complaint and Affidavit numerous times and refuses to delete the fraudulent inquiry made by XXXX, on XX/XX/2022. I finally received a letter from Equifax, dated XX/XX/2022, that indicates the inquiry had been deleted. I checked my credit report and it remain under the hard inquiries. I called Equifax, on XX/XX/2022, and the indicated they would correct the issue. I received my report and received the following response : following " inquiries are a factual record of file access and will remain on the Equifax credit file 2 years from the reported date of inquiry of XX/XX/XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Total Card, Inc.
State: GA
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:
This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Earlier this week, my mother reached out to a mortgage loan officer, XXXX XXXX ( XXXX # XXXX ) to obtain general information about a specific program that offers down payment assistance in Ohio. While my mother was only seeking some preliminary information, XXXX XXXX obtained from my mother my social security number and other personal information, which he then used to run a hard inquiry on my credit. Neither my mother nor I ever provided express permission to XXXX XXXX to run my credit. In fact, until today, when XXXX XXXX returned my call after I learned from XXXX that he had run a hard inquiry, I had never even spoken to XXXX XXXX myself. In other words, XXXX XXXX had absolutely no basis or other reason to believe he was authorized to run my personal credit report. 

As someone who has been working hard to build my credit and keep it free from any unnecessary blemishes, including hard inquiries, until I know I am in a good position to seek approval for a mortgage loan, learning from XXXX what XXXX XXXX did felt like a devastating setback. When I spoke to XXXX XXXX about what he did, he showed absolutely no remorse for his actions, and instead proceeded to tell me that he runs credit for lots of other people when their family members call him for information. This is simply unacceptable ; he should not be running anyones credit without that individuals explicit permission to do so. When I told him I intended to inform the relevant oversight agencies/authorities of his actions, XXXX XXXX ( very unprofessional ) response was a sarcastic, Oh, Im so scared! 

I wanted you to know because allowing someone like XXXX XXXX to be an approved lender could have significant ramifications. Not only does he lack the display of professionalism each lender should display, but more importantly, he has engaged in unlawful action by running someones credit without permission to do so. I now have to devote time to disputing this inquiry with all three credit bureaus/reporting agencies, something that noone should have to worry about. 

Thank you for your time and consideration of this matter.

Company response to consumer: Closed with explanation