BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 'd opened a bank account for my business with Wells Fargo couple weeks ago. To do so i 'd provided all the required documents needed in order to open a Bank account. The Wells Fargo agent who opened it has failed to scan the documents into the system. As a result i kept on receiving mails from Wells Fargo threatening to close my account. I 've made phone calls to explain the fact that everything was already provided ; i went to XXXX Wells Fargo branches couple times to explain the issue. At the end, my account has been closed for failure to provide documentations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named XXXX recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name Professional Bureaus of Collections of Maryland Inc is trying to collect the same debt. I believe that XXXX XXXX has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment to M & T bank on XXXX/XXXX/15 on their online website. On the same day, I made another payment for our escrow shortgage on their online website. I received a confirmation number for XXXX transactions and made printouts of the same. Now I am told I am behind a mortgage payment because I made XXXX payments on the same day so it cancelled out XXXX! The funds were in my account on the day I paid it, I have the confirmation of it and I do n't feel I should now have to pay it. There is NOWHERE on their site that it mentions not being able to make more than XXXX payment a day! What can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I 'm selling a Minivan on XXXX, and guy text and says he will take it, but can only use XXXX. Get email from XXXX to wire fee thru XXXX XXXX and then I would receive payment. Called XXXX this morning and they said they would never ask for fees and to call police to file a report, plus contact XXXX to file fraud charges with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?

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 2015-10-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i bought a puppy from an online site XXXX last night and the whole thing was a scam. We agreed on {$270.00} for the dog and the seller said he would pay all traveling expenses including flight ticket and delivery agency. At first he said i would pay the agency in person with cash when the puppy was delivered to my apartment but then a few hours later he requested that i pay using money order. After i sent the money order of {$270.00} a got a confirmation email saying they had received the money and the puppy was on the way. Within the next few hours i got another email saying the flight was delayed and would n't arrive until this morning at XXXX The owner said he would pay me {$30.00} because of the delay. This morning i got an email requesting that i pay an additional {$500.00} for insurance of the puppy 's delivery. The owner insisted i pay this or the puppy would n't be delivered. I replied with " I 'm not paying anymore money until i can see the puppy with my own eyes. He got very frustrated and began threatening me by saying he is going to press charges against me for animal cruelty. i told him how could i have done that when i have n't even seen the puppy? After all of this was over I realized it was a complete scam and they had taken my money. I have emails and texts from the seller and from the delivery agency to prove my case. I just want my money back. That 's it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Trans Union : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX 2017. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute Trans Union has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX Illegal credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

Trans Union needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.

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 2016-08-07
Company: Receivables Management Partners, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So Best Buy credit card with My Debt protection they have charged me since 2005 plus to crazy fees if you do n't pay within the promotion I have tried with them they sent me All Forms After I reported it First Time to Say so se I have had 9 yes 9 XXXX sinse they charged Me For a service I never wanted and charging me crazy fees they said maybe I qualify for them re relieve my debt and then they also stated I never called Them witch to me Is sp Upsetting I 've had to struggle a lot of the years being XXXX have my XXXX XXXX and having it be a XXXX I called bestbuy cuz I had all Of XXXX in my bank and I saw my statement for my Credit Line that was only XXXX was at XXXX and oh ya I have n't got anything from there for so long so I well recovering called them and they said if I could pay XXXX they could take anyway all fees and then they said they make a note of it that we talked cuz I did n't have XXXX and I was n't working and I did n't know I was being charged for. Service that should have been offered to help me but instead they said I did n't call and it 's my fault I 'm so upset how can you fix this stuff is a company is able to take an XXXX year old give you a line of Credit charge you a service you did n't ask for them add crazy feeez on top Of your bill but yet you do n't use the charge and you somehow went over your credit it 's just insane

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion has continued to cause harm to my character, problems in my XXXX, and subject me into paying higher interest rates on items for family and household purposes. TransUnion going out fishing for negative information about me is an infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 14 ). TransUnion also infringed upon my rights to privacy under the Constitution. TransUnion has never obtained my written consent to furnish a consumer report in my name, for profitable gains. TransUnion has stolen my identity, which is identity theft. 
TransUnion has clearly lied once again. I requested the method of verification for XXXX XXXX XXXX MISSISSIPPI XXXX reflexing on my consumer report. TransUnion provided me the Dispute Status that shows XXXX XXXX XXXX MISSISSIPPI as the furnisher of this public record. I contacted the XXXX XXXX XXXX MISSISSIPPI, I was provided a letter ; they do not verify nor furnish public records. The reporting of this public record is a violation of 15 USC 1681 under the FCRA, subjecting your company to damages. 
This unverified public record means that its factually not true, correct and complete. I have attached the letter from the XXXX XXXX XXXX MISSISSIPPI and the resent results from TransUnion.

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 2015-08-07
Company: Berman & Rabin, P.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
About 10 days ago I was contacted by a law firmBerman and RabinThe collector asked if I was XXXX XXXX I said yesThey did n't verify my first name at allThe collection representative began to tell me that I had an outstanding balance from finger hut for over XXXX dollarsI told her I did n't have that large of a balanceShe asked if I was XXXX XXXX I said that is my wifeshe continued to tell me about the debt I then told her in the state of Georgia the spouse is not to be contacted and if was state law that her information was confidential and this is XXXX party disclosure she continued as if she knew the lawI then asked for her Supv she hung upI called back to ask for the manager they started acting like they could n't here me on the phoneI called the next day to have a manager to complain they said a manager would call backAs of today I have n't heard from any managerI would like the recordings of all of the conversationsto my number XXXX and all of the calls as wellI am filing a lawsuit for third party disclosure and anyother Udaap and Fdcpa violations this firm has committed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: GLOBAL SOLUTION BIZ LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2017 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2017. 

For the fourth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous three illegal sale attempts of this entity. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

Company response to consumer: Closed
Consumer complaint received 2017-10-12
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account over telephone through a personal banker. During the phone call, the banker applied a special offer where I was to receive a {$250.00} bonus upon completing the terms of the offer. The terms stated that I had to do one of the two following things : 1 ) Receive direct deposits totaling {$500.00} or more OR 2 ) Make at least {$250.00} in debit card purchases I completed the {$250.00} debit card purchase on XX/XX/XXXX which was within the 60 days of account opening.
It is nowXX/XX/XXXX, and I have not received my {$250.00} bonus. I 'm sure that all telephone conversations are recorded and, as such, I demand that the terms of this offer be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Kingston Financial, LLC
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Asset Recovery Solutions, LLC
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Private Loans requesting repayment after XXXX years default. 2001, Chapter XXXX, relief with private student loans listed. I thought these were discharged but they keep contacting me with pay requests. Do I pay even though private loans listed on bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Calls to both my cell and home phones from a Missouri number, ( XXXX ) XXXX. A recording threatened to serve papers on me at my place of employment. I called them a total of 31 times trying to get information piecemeal before the different agents hung up on me. They called their company " XXXX '' and I could hear other collectors in the background following the same script as the one I was speaking to, verbatim. They mentioned Wachovia, with which I have not had an account since 2007. Each time ( at least 15 ) that I asked what type of account and the court jurisdiction where the action was being filed, they told me I was rude, or I was lazy and could n't take care of my debts, once even that I 'm not a good XXXX. They never would, or could, answer my questions. I do n't believe I owe Wachovia, now Wells Fargo, anything. IF I ever did, it 's way beyond statute now. If I truly do legally owe them anything, I will happily pay it. XXXX is either a phishing scam, or a sweatshop debt collector trying to extort money on legally unenforceable debts.

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 2016-01-30
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX Clinic about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on XXXX XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.

Company response to consumer: Closed with non-monetary relief