BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to sell a used television for XXXX $ and posted an ad. A potential buyer reached out to me and asked me for my zelle details to transfer money and get the tv. I gave him my email which is linked to my zelle account. Then I received an email from XXXX : REQUIREMENT TO RECEIVE THIS FUNDS 1. Get your Zelle account ready.

2. Contact the buyer for our agents info that was sent to himher via email. 

3. Send the sum of {$400.00} USD to XXXX XXXX. 

4 Take a clear picture/screenshot of the payment once effected & reply to this email.

5. Instant {$500.00} USD will be credited into your Zelle account.

N/B- If you have any further questions, kindly send reply to this email. This mailbox is monitored and you will receive a response as soon as possible. 

Thank you for using zelle ZELLE CUSTOMER CARE I sent him XXXX $ and then I received another email : Zelle Logo This is to inform you that your pending payment of {$500.00} USD has been processed and approved and will be credited into your account soon. 
In order to get the total money credited into your account today you have to pay a certificate fee of {$1000.00} USD The certificate fee represents the approval and insurance of your funds. 


XXXX  XXXX XXXX. 

Note : The Certificate Fee will be added to your pending funds and you will be credited with the sum of {$1500.00} USD Below Is The Instructions : Youre required to send the certificate fee to our agent Zelle information.Take a clear picture/screenshot of the payment once effected & reply to this email. 


{$1000.00} USD TOTAL SUM : {$1500.00} USD Then I realised that this is a scam and immediately reported to my bank. They asked me to contact zelle but even they are not helping me on this issue. 

I lost XXXX $ in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my Tax return amended I've received its on XX/XX/2022 the check was issued on the XX/XX/2022 I made a checking account online with citi bank. They put my account on blocked and kept my funds. I've called for many days back to back stayed on hold for 3 hours plus just to hear them say call again tomorrow or we can't help you. It's the XX/XX/2022 and I haven't been able to get my money. I received email for my account saying they received my deposit but won't give me my money. The check was for XXXX they gave me the XXXX cents to my account but kept the 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 2022-01-25
Company: A.R.M. Solutions, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Services were never rendered by original company, XXXX XXXX XXXX, XXXX XXXX XXXX. This is a fraudulent company charging customers and not actually performing the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the amount 2 years ago because ( XXXX/AdAstra ) they reported it during COVID when I was having financial issues and I had told them that. 

They then went and debited my account for this money in full ( {$3500.00} ), but it caused me to overdraft and then the money was reversed and I was charged an overdraft fee. I had to close that account and bank elsewhere. That was also illegal. But they did it. We had no food. I communicated my situation and then they overdraft me causing me more money loss and hardship in the middle of COVID.

They did this without consent and billed my old debit card for 2 accounts. One went through for a few hundred dollars. This one did not. They did not have consent on either. I had PAID this off in interest too. But the interest rate was SO HIGH it wasn't going down. So, they are really not out any money. It's predatory lending. 

Each MONTH they update the old debt and make it look like it is a current late payment. It shows this under " status date '' and " balance date '' and each month on the XXXX it is reported LATE again and AGAIN. I disputed it and they did it again. 
They won't stop. It's illegal and reading my debt. It makes this old debt look like NEW DEBT and it hits my score again and again each month. 

It has damaged my credit and this is OLD. It's NOT NEW It caused me to not be able to take out a Federal Parent Plus Loan, this past month for my for my daughter 's education because they have reported monthly to the credit bureau like it's a payment I miss montly, Federal loans say you can not have any new collections in 2 years. This was years ago but they have re-aged the account. They keep re-aging the account. 

Finally, just a few months ago they had to put the original date on the credit report. But still report monthly like it's a late account. This is OLD DEBT. And when they report late each month its doesn't matter they show XX/XX/2019 because it is still reported each 4 weeks to the bureaus. I have nothing else derogatory on my credit so because of this my scores won't go able XXXX. It is so upsetting. 

This is against Fair Debt Collection Act and illegal. Additionally, they call my cell when I told them to not call again. Most recently they have twice, again after I disputed this again with XXXX. They said they debt was current and it is not. It should be uncollectible as it is now too old. I live in CA. They have the wrong date also on this. It was earlier than XX/XX/2019. 

They should not be able to report to credit bureaus. They had my e-mail and have only been calling despite me telling them to never call again. I have screenshot of one of recent calls from a XXXX number after XXXX XXXX at night. It is harassment and they have raged my account monthly for 24 MONTHS since they started reporting this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan servicing was transferred from XXXX XXXX to Homeside on XX/XX/XXXX. I was told to make my first mortgage payment to XXXX on XX/XX/XXXX and all payments after to Homeside. I made the payment as instructed. I called Homeside on XX/XX/XXXX to let them know that the escrow portion of my XX/XX/XXXX was never transferred to them even though my principal and interest was applied and PMI was taken out of my escrow. I was told they would open a ticket to research. 

I called Homeside back on XX/XX/XXXX to inquire about this as my escrow balance was still not correct. I was told they did not open a ticket and that they were and right now and to call back tomorrow. I called in XX/XX/XXXX and the end resolution Homeside gave me was that it was not their job to look for my missing escrow and that they are just a servicer for Homeside. It has been over 60 days since my loan was transferred and they refuse to make an effort as my servicer to make sure they received all my funds, when i proved to them that they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: ERC
State: WI
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:
To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 

XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX  XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed XXXX Collection Services and dispute this on my XXXX credit report that this account is not mine. The account was opened by my son without my knowledge. I never opened an account with XXXX XXXX nor did I own a car so there was, no need for me to have car insurance. I had no knowledge of this account until it appeared on my credit report. XXXX Collection Services said that the information was accurate when it definitely is not!! I never have opened an account with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Colony Brands, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021, Seventh Ave made a hard inquiry on my XXXX  credit report. This was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
American Express ( " Amex '' ) arbitrarily and fraudulently revoked XXXX American Express Membership Rewards points ( the " Points '' ) worth in excess of {$1000.00} from my credit card account without authorization and in violation of the terms of my cardmember agreement. Amex representatives had previously verbally confirmed to me that the Points would not be revoked from my account and Amex is currently refusing to honor the explicit promises made by their phone support agent. 

Full issue : I was approved for an Amex Platinum credit card on XXXX XXXX, 2016. My account was opened under an offer to receive XXXX Points after spending {$3000.00} within three months. The value of the XXXX Points is at minimum {$1000.00} based on their ability to be redeemed for credit card statement credit. I fulfilled all offer requirements with a total spend of {$5900.00} from card opening to XXXX XXXX, 2016. 

Since I had fulfilled the offer requirements, Amex deposited XXXX Points into my account on XXXX XXXX, 2016. Independent of this complaint and based on the benefits of the Amex Platinum card not meeting my expectations, I decided to cancel the account on XXXX XXXX, 2016. Before cancelling the card, I called Amex customer support and explicitly asked whether cancelling my account would result in the loss of the XXXX Points. The agent explicitly assured me that they would not, especially because I have other Amex card accounts open. Relying upon these statements, I decided to cancel the card. 

On XXXX XXXX, 2016, Amex arbitrarily and fraudulently removed XXXX Points from my account. There was no rationale provided to me. I called support to inquire and was told that this was a " corporate decision '' relating to my cancellation of the card which could not be overturned. 

The removal of the XXXX Points was fraudulent. There were no stipulations in my original agreement regarding revocation of Points in this situation. Additionally, the Amex representative explicitly promised that my Points would not be revoked upon cancellation and Amex should be bound by the promises made by its agent. 

If Amex is allowed to take away Points arbitrarily in cases like this, what is stopping them from taking away all of my Points or arbitrarily adding charges to my bill? Thanks for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IL
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:
My identity was stolen a little while back and Im trying to buy a home and Im noticing all of these different charges that Ive never made and Im trying to get that removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC  has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now  2  response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here.     I have attached my original response to Cavalry, dated   XXXX   XXXX   XXXX     ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated   XXXX   XXXX   XXXX     ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated   XXXX   XXXX   XXXX    , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Green Square Company LLC.
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming

Company response to consumer: Closed
Consumer complaint received 2022-08-17
Company: Revco Management, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a power bill of {$650.00} from XXXX XXXX. I moved out of my apartment XX/XX/XXXX. I was contacted by XXXX XXXX in XX/XX/XXXX stating that I was still getting billed to the address for the 6 months I was not living in the residence. XXXX shut the power down in XX/XX/XXXX. I recieved my bill in the mail charging me for the 6 months not in the residence and when I called XXXX I was told to send them a move out form stating my move out date. I did so and nothing was done. The company put my account into collectiions. I still have the form for my move out date which was XX/XX/XXXX and was billed until XX/XX/XXXX. I would like these charges removed from collections. It is preventing me from getting a house and power. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation