BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi FAIR COLLECTIONS AND XXXX XXXX XXXXXXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2018-05-23
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was not denied credit. Instead, I was offered credit at less favorable terms. When I inquired as to what credit reporting agencies were used, what the actual terms were, and where my risk based pricing notice were, I was told the grantor refused to provide any of it, and I must go to a third party dealer for the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I XX/XX/XXXX, after returning from the XXXX of XXXX XXXX I purchased a home through Veterans Affairs. The loan originally was through XXXX XXXX and later went to Wells Fargo. In the XX/XX/XXXX, I contacted Wells Fargo asking for assistance with my mortgage due to financial hardships. After a couple of months of going back and forth, I was granted a forbearance modification by Wells Fargo. The modification approval ended on XX/XX/XXXX. I made every payment on time. At the time I was granted the modification, it was not explained the the mortgage was accumulating, now making it an even more challenging endeavor to pay the total amount due. I recently retired from active military service onXX/XX/XXXX and was diagnosed as a 100 % permanent and total veteran. Twenty days after the forbearance plan with Wells Fargo ended, they immediately started foreclosure procedures while pretending to be working with me to save my home. After several attempts to contact the person that was assigned to work with me to no avail, on XX/XX/XXXX, I was sent an affidavit stating many false accusations and stating that my home is now in foreclosure. The entire time that Wells Fargo pretended to work with me and having send them certain documents that I thought to be assisting with me saving my home, I found out that I was being bamboozled. Every attempt to speak with someone proved that each and every conversation was like starting the explanation as to what happened all over again. Somehow, each communication with Wells Fargo appeared that the company had amnesia as to any and all conversations. This is no way to treat our veterans that have given their lives in service of this great nation. Wells Fargo unknowing to me, sent proceedings forward to a lawyer asking that a judge grant foreclosure on my property without contacting me or allowing an opportunity to assist in resolving the matter after they promised me time and time again that they were assisting. All the time, they were preparing to send my property that I have been paying a mortgage on on sinceXX/XX/XXXX, into foreclosure. Wells Fargo supposedly sent the documents to a under writer for a decision on further assistance, while in fact, they were using the documents that they asked me to fax over to start foreclosure procedures on 20 days after forbearance modification ended. The loan assistance ended on XX/XX/XXXX. The foreclosure procedures were started XX/XX/XXXX. I have reached out to Wells Fargo several times in an attempt to resolve this foreclosure procedure. This is absolutely no way to treat our veterans that have given their lives in service of our great nation. This is truly an injustice after paying a mortgage to Wells Fargo during my tenure as an XXXX XXXX military member.

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 2019-06-12
Company: Arnold Scott Harris, P.C.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Arnold, Scott, Harris PC has utilized questionable collection tactics, including contacting me for a debt that has been paid and filing for garnishment after the debt was paid. 

I previously owed state taxes to Kansas and was on a payment plan with Arnold Scott Harris for that debt. I paid off the remaining balance with my XX/XX/XXXX and XX/XX/XXXX federal tax returns. However, the collection attorney filed a garnishment after the debt was confirmed as paid several weeks prior to filing the garnishment. 

They did remove the garnishment, but they now claim that I still owe a balance. I have asked several times for them to provide a full accounting money owed an money paid. I also faxed them a letter with this request. They have been unable to provide this accounting. Instead, they sent me a payment history that lacked the original debt owed. They also continue to contact me through robo calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ROYAL UNITED MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
tried getting a refi for my home with royal united mort. Was told being XXXX XXXX may make it harder to qualify for. but should be done in 4-6 weeks. sent all info in as requested for a 3 month period. then 2 month into app, they want another months of finance statements. So sent them in. This is now 3 monthes they already have my tax returns for proof of income from previous years. then they want another mnths statements showing income.well i had not finished any work to show deposits [ income ] they said they HAD to have some. and this is when I was TOLD denied, still waiting on the letter and have texted them several times and still nothing this was 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: FL
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 have been a victim of identity theft please see attached report for in-depth detail.

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 2021-04-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal locked my account because they said my credit card was reported stolen however I have proof that it wasn't and have offered to show them I own it And they simply refused to take it or unlock my account. The email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: LD Holdings Group, LLC
State: OR
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:
My husband made our XXXX mortgage payment to loan depot online and received a confirmation email from them stating the payment was successful. The payment did not process however and they did not contact us to notify us of the error and after 30 days automatically reported us to the credit bureau agencies. Once we received a notification from our bank of negative credit activity we investigated the cause and discovered it to be loan depot. We contacted them immediately and made payment as well as providing evidence of the confirmation email which indicates we made the payment on time. Despite this they refuse to redact the negative credit report. The dispute has been ongoing for months and they have not shown any willingness to help resolve the situation satisfactorily and have ignored requests for call backs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: FIRST HORIZON BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX  card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email stating that there is a law suit with XXXX XXXX. I am currently enrolled with them as they promised my payments with them would be reduced and it would go towards my loan. However, the law suit is stating otherwise. All the money i have put towards XXXX could potentially being going to the way side. I have been enrolled with them for a year or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from Providian Bank at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XX/XX/2002. I also have other documentation from Provianian regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use.

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below. 

Also, I am disturbed about this entire situation from XXXX XXXX XXXX, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is concerning excessive fees by TD bank. Since XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees alone! I complained to them due to the following facts. 

They charged me XXXX dollars on XX/XX/XXXX for three withdrawals that I was forced to do in three separate transactions .... 

They also charged me on XX/XX/XXXX XXXX dollars for a check, a credit payment and a withdrawal. All of which occurred after I already had a positive balance. They claim that it already came through in the system but it just didn't show ... .. 

Thy also charged me other charges such on XX/XX/XXXX XXXX dollars and other individual charges for a total XXXX dollars just in overdraft fees. 

These charges are excessive!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, EQIFAX refuse to abide by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
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:
I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender : Dovenmuehle Mortgage ( MI ) Payment Amt : ~ {$1000.00} Loan Term : 15-yr Issue 1 : Lender reported 3 Cares Act, 90-day forbearance payments as delinquent to credit bureaus. Since corrected, but has caused lingering credit score issues as I've had to acquire new insurance and look into loan/mortgage refinancing options.

Issue 2 : Unrealistic hold times when calling in. Sometimes as " short '' as 25 minutes, but have had 45+ min wait times. Have also been hung up on several times resulting in waiting 25+ minutes more than once. They also put you back on hold for extended periods if you ask why something will take weeks/months to resolve.

Issue 3 : Phone payment NOT POSTED after being made 2 weeks ago from time of this complaint submission. 

Issue 4 : Online payment ability locked out while waiting for 6 weeks for a LOAN MODIFICATION, with no end in sight. Forced payment by phone for additional fee that has NOT POSTED ( see issue 3 ). I am aware there was a way to pay by mail, but if that wouldn't have posted either, I would have had to cancel the check by this point.

Issue 5 : Can not get a current 10-day payoff statement because of unposted payment. Can not finalize any mortgage refinance without this information being correct or risk the settlement being overpaid to Dovenmuehle ( which can not happen for obvious reasons ).

In summary, I am being held hostage by Dovenmuehle because I  requested a loan modification in lieu of the deferral of the 3 months of payments like they keep trying to push on me via phone, email, letters. They will not give me a timeline on when the modification will be done ( just saying 'We 're very busy because there was a lot of requests ' ).

Update : I'm going to just accept a deferral so I can move on with my life, refinance, and forever sever my relationship with Dovenmuehle. IMO, there's been no reason for any of these actions by Dovenmuehle outside of trying to force people into an undesired outcome. They have made this period of economic uncertainty much worse and significantly more stressful than it needed to be.

NEW ISSUE : After agreeing to deferral, they are telling me it may take WEEKS to resolve and get the paperwork/account updated online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have an acct with Equifax XXXX from the Illinois XXXX. I strongly disagree with the validity of this account. It is not showing on my XXXX or XXXX report.

Company response to consumer: Closed with explanation