BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this debt is or where it came from. I do not have any mail, email, or phone correspondence from this company. I was reviewing my credit report before a large purchase and found this company Credence Resource Management. I did not give them any permission to use my information. I do not know how my personal information was obtained or when my express consent was given. Under several consumer rights laws I have been violated. Some of them include ; 15 u.s.c 1692e ( 10 ) '' The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer '', and FDCPA section 806 ( 2 ) '' The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. '' I have been abused an profanity used against me in my consumer report. I have severely harmed financially because of this illegal collection on my report. This has caused me to loose out on opportunities for safe and affordable housing, and safe and affordable neighborhoods to raise my family. I demand immediate and swift action be taken starting with the removal of this false information and verification that this information has been removed from all credit reporting agencies. I also do not want this company using my personal information further. They shall cease and desist all forms of illegal use of my personal information and likeness. This includes my name, address and phone numbers, social security number and birthdate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: Continental Central Credit, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pay a biannual fee to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. The resort sent out their maintenance fee two months before the year is finish with demand for payment by XX/XX/XXXX. When I purchase the resort ( under duress-after being there for over 6 hours ), which is paid in full, I specially told the sales representative I can make all payments by the XX/XX/XXXXof the month. I was told no problem. No Im being harassed & threatened. I requested a payment plan. I was charged {$25.00} for late fee ; additional {$25.00} for taxes ( none of the other owners were charged this additional tax fee ) & {$5.00} for Voluntary XXXX fee ( never agreed to, which is forced on every timeshare holder whether they like it or not ). I made arrangements to pay the maintenance fee. After paying {$310.00} & disputing the {$25.00} additional tax fee ( which is my right ), XXXX sent my account to collection to Continental Central Credit, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX. This company try to financially XXXX me ( maintenance fee : {$790.00}, interest : {$8.00} ; collection fee : {$260.00} for a total of {$1000.00} overcharge of over {$600.00}. I called them at XXXX & XXXX & spoke with XXXX who said she would get back to me. I emailed XXXX who told me to contact Continental Central Credit INC. In the meantime, Im not able to utilize the facility even though its paid in full. The contract according to XXXX said the fees can go down but it keeps going up without service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After attempting to validate debt with ARS National Services I received a response with a statement from the original creditor however with no documentation from the original creditor that the debt has been assigned or sold to ARS. If ARS National Services Inc does not have this from the original creditor they are authorized to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is actually an addendum to my complaint XXXX. Despite XXXX telling you they're still investigating my complaint, they have sent me TWO letters - one on XX/XX/XXXX and another on XX/XX/XXXX denying they ever received Housing Assistance Fund money to pay off my debt. 

HOW IS THIS POSSIBLE, WHEN I HAVE A WIRE TRANSFER NUMBER I GOT DIRECTLY FROM THE PA HOUSING FINANCE AGENCY? The {$8100.00} I owed was paid off in XXXX!! 

Attached is my response to their 2 letters, and screenshots showing my correspondence on XXXX with the PA Housing Finance Agency, who have experienced nothing but problems from Dovenmuehle from the beginning of when I applied for a HAF grant ( XXXX 2023 ). 

NO ONE SHOULD EVER GET A MORTGAGE FROM DOVENMUEHLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Account status incorrect

Complaint:
i have tried to reach out to collector to correct the account status on my report this account below has been paid and full i have attached proof the balance is paid. the collection agency XXXX XXXX did agree to delete this off my credit and it hasnt been done yet. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - this account is paid and full. creditor agreed to remove once paid. factual proof attached.

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 2018-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access. 

Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return. 

I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account. 

I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, i responded to Citibank 's {$400.00} checking account package promotion ( promotion code XXXX ) and opened the account package ( both checking and savings ) online. Per the promotion term, deposit $ XXXX and maintain for 60days, and the {$400.00} bonus will be deposited WITHIN 90days. I satisfied the requirements on XX/XX/18 but as of today i still have not received the bonus. In the last 3 months i have contacted citi multiple times and each time i was assured that i had met the requirements and would receive the bonus in the following month, but it just never did. Two and half weeks ago when i called their 1-800 number and this time the rep gave me a concrete date. He said i should see the bonus by XX/XX/2018. XX/XX/XXXX passed and yet again no bonus. So i chatted online with Citi again last week asking them to investigate but she refused. She said they won't do anything unless i contact them after XX/XX/18! I can't believe more than 5 months now and they are still giving me the run around!

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 2023-06-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS DEBT THAT ENHANCED RECOVERY COLLECTIONS CLAIM I OWE TO XXXX IS THE VERY SAME CELL PHONE ACCOUNT THAT ORIGINALLY WAS OWNED BY XXXX XXXX XXXX I HAD THIS SERVICE FOR 1 WEEK AND WAS DISSATIFIED AND CANCELLED THE SERVICE, I THEN SENT BACK BOTH HANDSETS VIA XXXX  IN XXXX. I NEVER RECEIVED ANY OTHER FORMS OF COMMUNICATION FROM THEM, THEN IN XXXX I RECEIVED A COLLECTION LETTER FROM XXXX XXXX, I FOLLOWED PROTOCOL AND SENT THEM MY XXXX  RECEIPTS FOR THE HANDSETS AND THIS COLLECTION WAS DISPUTED BY MYSELF WITH XXXX XXXX FOR {$950.00}. XXXX STATED THIS COLLECTION WAS DONE AND WAS REMOVED. NOW THAT XXXX WAS ACQUIRED BY XXXXTHIS IS THE SAME SITUATION, IVE SENT BACK THOSE HANDSETS IN XXXX, ATTACHED ARE MY RECEIPTS. PLEASE REMOVE COLLECTIONS FROM XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH sent me a loan Modification package, completed it. Made payments on time during the trial period. Started to make regular payments. PHH sent a final doc to sign along with the terms of agreement. Interest rate was good. They gave no details on the numbers they provided. A balloon payment of XXXX was provided. No information on how they came up with those numbers. 
I requested a breakdown of these numbers, and the person I was speaking to said they would request the info. for me. In the meantime, they give me a extension on my signing the final Modification package. After a 3 to 4 weeks I called in again. Person said they saw the request and gave me another extension. Weeks go by and I call again ( third time ) this time she said that the info in being mailed out to me. She informed me to go ahead and sign the package and if I had any disputes with PHH I can do so without worrying about accepting the Modification package and not being able to dispute anything. So, I signed and sent it off. No one offered me this idea to me in the previous calls. I did get the info. I got a letter a week or so later informing me I am no longer eligible for the loan modification. " You failed to return the final modification agreement within the required time frame. '' The three calls I made into PHH are all there. Everyone can see the notes. But the people who sign off on this does not care. The notes are not in dispute. 
Second problem. I made a partial payment on XXXX of XXXX and it was returned to me on XXXX because I was now required to make a minimum payment of XXXX. 
On XXXX I made a payment of XXXX and on XXXX they returned it back to me. Rules keeping changing. Now I am required to make a full payment or nothing. I could not afford to make a full payment. I could have been making the regular payments but no. 
PHH add over XXXX in late fees and different kinds of penalties, legal fees over that same time period. The same time period they refused to allow me to make any type of payments. 
On the one hand they refused any type of payment from me and on the other hand they charged me penalties for not making payments. My penalties would have been a lot less had they allowed me to make payments. 
All the notes I referred to are in their system. I do not have access to them. 
Very frustrated at the moment. 
They say they are sending me a new package to file all over again. 
Any help would be greatly apricated. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-03-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

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 2021-11-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There are two transfers done XX/XX/XXXX both were XXXX. I have filed a dispute, it got dented, then I was told wait 90 days and it will automatically be placed back into your account. And the whole time I have not got any cooperation from the company call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: SUNTRUST BANKS, INC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis. 
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX  yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding

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 2022-05-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
im currently going through financial hardship. with my home up for foclosure behind on payments for cars and bills and struggling to put food on the table. navy federal went into my account for a card that was charged off over 8 years ago and took XXXX out of my account on XX/XX/22 out of my checking account that was set aside to get the mortgage caught up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation