BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: Atlantic Credit & Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

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 2015-06-25
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My attorney and I have attempted to contact Central Financial Control on several occasions going back 2-3 months to obtain and itemized statement of services received on XX/XX/2016, in order to settle my lawsuit and pay the debt collector. This bill was generated from XXXX XXXX Hospital in XXXX, GA. Central Financial Control promises a 7-10 business day timeframe for receipt, however, they continuously fail to furnish the necessary documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had initiated a transfer into my Sofi XXXX account from another bank account to cover my rent check. The transfer bounced, I believe because there was a delay from when I transferred it, and then there were no longer sufficient funds in my other account to cover the transfer. 

Regardless of what happened, it triggered a fraud alert in my bank account. It also caused my Sofi account to go negative. I have direct deposit into my Sofi account, so once that direct deposit went through, my account was in the positive, however I was still not able to use my funds. 

I've tried contacting Sofi Fraud Prevention repeatedly to unfreeze my account. The call goes straight to voicemail. Any other number, online chat, or email does not connect me to anyone, but automatically tells me to call Fraud prevention. 

My first call was placed yesterday, XX/XX/XXXX. I called three times yesterday, and three times today, XX/XX/XXXX with no return call. It has been about 27 hours that I have been waiting for a call back. 

I have overdue rent that must be paid immediately or I risk eviction. The money tied up in this account is my rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeated calls from ( XXXX ) XXXX saying if I dont call they will send a legal summons to my home or place of employment on Friday. They call every day for the past month but never received any legal summons or any kind of paperwork stating what issue is even about. Had my attorney try to contact them and they wont answer the phone.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-28
Company: M&T BANK CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt is old. It dropped off my credit report after 7 years on XX/XX/2015. In Alabama it is 3 years for statute of limitations and it has been XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 2017-04-04
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In mid XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship. In addition I lost my full time job due to the care I had to provide to my wife. I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current. 

I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, for several months I began to fax all requested documents in addition they had me notarize the documents we faxed to the modification department. I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was XXXX, anguish they kept denying my request for a modification, Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it has become a nightmare. I continued to plead with them for a loan modification but to no avail. 

I want to file a SECOND complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method they apply for a loan modification in order to deny the ( HAMP ) - Making Home Affordable Program and any loan modification after I was assured I would be eligible for a loan modification if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan. I believe this is clearly a violation of the HAMP program code 1.1.3 HAMP Tier 2 Eligibility and Tier 3. Additional Factors Impacting HAMP Eligibility and the program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 which I fall within the aforementioned guidelines. 

I also consider they are violating The Truth In Lending Act - TILA. This federal law was enacted in XX/XX/XXXX with the intention of protecting consumers in their dealings with lenders and creditors. The Truth in Lending Act was implemented by the Federal-Reserve-through-a-series-of-regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following inquiries were requested to be removed these inquiries are not factual record and they are unauthorized.. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2016-10-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.

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 2016-01-07
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Diversified Recovery Services Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The XXXX collection was taken off of my credit report last year. It was illegally added back XX/XX/2017.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently, I have a principal retirement payment taken out monthly in addition to my usual payment plus escrow. I want change this. In the middle of the holidays, I called the mortgagor, Santander, to make a change. They blocked access based on both the last XXXX digits of my SSN, and the whole SSN. The response was that it was incorrect. I know my SSN. They do too, as my tax forms ( XXXX, XXXX ) arrive at my address with the correct SSN. After that I tried to access a person and got cut off. I have run into this before with Santander. They obstruct for some reason ant interaction with their clients. 
When I tried to set up this accelerated payment, they resisted my efforts, until I filed a complaint with CFPB. Then they complied. It appears to me that the only way to deal with this bank is through your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
On the evening of XXXX XXXX, I attempted to use MoneyGram to transfer {$50.00} to a relative in upstate New York. After filling in all the required information ( including my credit card # ), I received an e-mail saying " We were unable to process your transaction online. '' I called the customer service number and was told that " security '' had halted the transaction. No further information was available. I was directed to go to a physical location to complete my transfer, which I did this morning. 
The physical location was a phone at a local CVS store. After entering my information, I was switched to a live operator who confirmed that the fee was {$5.00}, but that the ultimate fee could be higher. I asked how that could be and she gave the example that if I decided to wait another day to complete the transaction, the fee could be higher. I said I wanted to complete the transaction now ; would the fee be {$5.00}? She replied that the fee should be {$5.00}, but that they were required to read the disclaimer. I told her that I was willing to proceed, but that if the fee ended up being more than the {$5.00} initially indicated, that I would file a complaint with CFPB. 
A store clerk was needed to complete the transaction, and when XXXX was available, he told me that MoneyGram had n't sent the information to his computer. The MoneyGram operator did n't want to speak with the store clerk, insisting that he should know how to use the system. When I finally handed to phone over to him, the MoneyGram operator had hung up. I was unable to complete the transfer. 
As a final cap to this story, the CVS clerk told me, " They always charge {$10.00}. " I believe that MoneyGram 's practices are deceptive and that their fee disclosure is inadequate. I ask the CFPB to look into what, if it is not consumer fraud, is very close to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018, I went on TransUnion 's website to get a free copy of my credit report. They requested my debit card information, which I thought was required for me to receive this report -- I thought perhaps this was how they could check some of my accounts. I was shocked to discover that for the past two months they have billed me {$21.00} for each month, a total of {$42.00} that I had no idea they would be taking for me by getting a free credit report. I never saw any information about the services they provided being anything but free. I really want this money back, the only service I had wanted was a free credit report, I have not used anything else besides this.

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 2018-05-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had made a deposit to the banking institution chase. I was informed that there was no banking error. However the machine hit a snap and did not provide me with a receipt. I had deposited alot of money and the company refused to provide me video of the deposit please assist. Amount in question well over {$600.00} dollars.

Company response to consumer: Closed with explanation