BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-08
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
People 's United Bank mortgage scheduled to close on XXXX/XXXX/2016. Closing pushed back because of delayed appraisal report. Rate lock@3.25 % expired XXXX/XXXX/2016. No extension was singed or filed with lender. ( Loan officer on vacation ) Lender verbally explained rate lock would float without an extension and I would receive current market interest rate if no extension was filed. Closing disclosure dated XXXX/XXXX/2016 for XXXX/XXXX/2016 closing has old expired locked rate of 3.25 % current market rate decreased to 3.125 %. Lender refuses to honor current market rate of 3.125 % for XXXX/XXXX/2016 close. Lender refuses to show proof of People 's United Bank rate lock policies that state after my rate lock expired I am not eligible for the current market rate. Lender refuses to give supervisor/directors contact information so I can receive documentation of rate lock policies. Lender is predatory lending and not adhering to bank policies in order to increase profit by closing on a mortgage with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: The Eastbrooke Group LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I 've continue to receive calls from a company called Eastbrook group who have threatened me stating they have sent police officers to deliver some documents in regards to check fraud claim. I received a phone call from XXXX XXXX who claims she is from the XXXX fraud processing department, requested for my current address information and if I did not respond the XXXX XXXX will issue a warrant to have me arrested. I do n't know what this debt is for, let alone I have not lived in California for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: Law Offices Howard Lee Schiff, P.C.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX I performed a mobile deposit of a {$500.00} money order into my Wells Fargo account. The money order was XXXX legit and not fraudulent, but for some reason Wells Fargo considered it fake and a few days later issued a return on the {$500.00} money order deposit. I thought that was unusual because, as I said before, I knew the money order was real and I had the receipt the prove it. In fact, after Wells Fargo denied the deposit of the {$500.00} money order, I was forced to deposit it into another checking account at another institution and I faced no issue whatsoever. 

After a few days a bill I tried to pay through my Wells Fargo account was denied. I called in and was told that there was a " hard hold '' on my account because of this {$500.00} money order that Wells Fargo thought was fraudulent. I explained to the rep on the phone that it was real, I had the documentation, and I would like a way to get my account unlocked because I had bills to pay. They were extremely unhelpful and told me the only thing I could do was wait and call back in 48 hours for a resolution. 

Well today marked about 72 hours since that call. I called back and was transferred to Loss Prevention and told the same thing - my check was fraudulent ( even though its not ), my account was on a hold, oh and now it might be closed and I would be barred from banking with Wells Fargo ever again. 

I have been a customer of Wells Fargo for about 20 years. I had an account opened when I was a pre-teen back when it was known as Wachovia. I have several mortgages through Wells Fargo, and I have been a loyal customer. I have NEVER done anything fraudulent with my account, and I am XXXX certain this money order is not fraudulent. To be told that my account is going to be closed over an incorrect assumption on Wells Fargo 's part is infuriating, and terrible service to be quite honest. I am being treated like a criminal and at risk of having this account ( which I a co-signed on with another person ) closed down. This is the account I use to pay my mortgage from! Why on earth would I deposit a fraudulent check? 

I have received no help. For the most part I just want to get in touch with whoever is actually handling this case of mine so I can send them directly the receipt I have to prove this money order is real. I do n't want to sit back and wait and just all of a sudden find out my account is closed, all the while not having access to more than {$5000.00} of MY money. 

I want this resolved now.

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 2016-10-21
Company: States Recovery Systems, Inc.
State: NV
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 checked my credit report and found that States Recovery Systems has listed an account as an adverse, in collection account. I have paid this debt with the original creditor, and have told SRS this on many occasions. I also requested that they verify the original debt with the original creditor and no verification was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
He does identify himself. However, he uses misleading language by saying the person is XXXX  and needs to be contacted immediately. Leaving a message to my family members is a harassing call of a scare.

On my phone, he is using the language of, I brought something and I need to contact them immediately for verification.

Again this is misleading language and it is against the law.

I have the voicemails for both

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no contract with MIDLAND FUNDING. They are a known liar and fraudulent company. 
They need to PROVIDE ME PROOF that I signed my WET INK SIGNATURE with their company as they are reporting that I OWE them money as reported by XXXX on my XXXX 

TO MY knowledge, I HAVE NOTHING with them and therefore this debt is INACCURATE and A LIE/FRAUD. They are attempting to collect a debt I DO NOT OWE. 

Here 's what I just received by XXXX : Date ReportedXX/XX/2017 Collection Agency MIDLAND FUNDING Moved to Collection XX/XX/2017 Account NumberXXXX XXXX Balance Amount {$3000.00} Status Collection Source XXXX Credit Report Note : Because XXXX might be monitoring multiple credit report sources, we might send you similar looking notifications for this same activity. 
Questions? Please contact : Collection Agency MIDLAND FUNDING Phone XXXX Address XXXX City XXXX State CA Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I want to report Wells Fargo Mortgage/ASC for foreclosure fraud, modification abuse and dual tracking violations. I was just informed on XXXX, by the automated system that I had a XXXX XXXX, 2016 sale date. I NEVER received a NOD stating that I had 90 days to cure the default which is required by the state of California. An NOD was never recorded in XXXX public records. Theses are all foreclosure violations and illegal foreclosure practices. I called Wells Fargo last week regarding my loan and there was no sale date on my property. I called Monday XXXX and there was a XXXX XXXX, 2016 sale date. I spoke to several real estate and legal law professionals and they informed me that Wells Fargo had not properly followed the California bill of rights. Wells Fargo had not followed the California foreclosure laws. On XXXX/XXXX/2016 I received a mortgage statement that clearly read this " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the forclosure process ''. But now they are telling me as early as XXXX XXXX 2016 they foreclosing on my property. That is totally illegal by Wells Fargo mortgage and I want to file a massive law suit against Wells Fargo for a slew of violations, unfair business practices and abuse. I have been transparent, communicative and forth right with Wells Fargo. My wife and I have the means to pay and we also suffered a compelling hardship to justify why this loan got behind in the first place. I would like CFPB to please intervene and stop the illegal foreclosure process and sale by Wells Fargo on XXXX XXXX 2016. I want assistance to cure my delinquent mortgage by a loan modification or repayment plan. I will speak to my advisors tomorrow. This is a time sensitive situation, thanks for your immediate attention to this serious family matter.

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 2021-10-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX ; XXXX ; XXXX my estranged daughter XXXX XXXX, entered the Chase Bank in XXXX NJ XXXX and was allowed to withdraw {$92000.00}, fraudulently from my checking account.. I assume, XXXX told the banker I was unable to make any decisions and I was in a Nursing Home. That was a lie. On XX/XX/XXXX my daughter XXXX XXXX XXXX XXXX, demanded another {$120000.00} from me, after I already gave her {$50000.00} in XX/XX/XXXX, from the proceeds of the sale of my house, located at XXXX XXXX XXXX, NY XXXX. I lived there for 46 years.I worked for XXXX  for over 13 years. I know banking law and banking rules. I was XXXX bankers located in XXXX XXXX, NY. The banker in XXXX NJ failed to confirm if what my daughter stated was true. In addition the banker never confirmed if the POA, which I signed, in XXXX XXXX NY in XXXX of XXXX, was XXXXA bank must act in a fiduciary manner to protect a customers assets. In fact, my daughter XXXX XXXX, was removed as my agent, of my POA on XX/XX/XXXX, by e mail I sent her via XXXX. I can forward you a copy upon request mail. The banker failed to compare XXXX signature to tge signature on her drivers .I obtained copy of two withdrawal slips for {$46000.00} each. The signature does not look like my daughters signature. I suggest you ask Chase for a copy of my daughters NY Drivers License. The banker should if made a copy of her license..I accuse the Chase banker at XXXX XXXX NJ XXXX for XXXX her fiduciary responsibilities to safeguard my money. Due to Chase Banks negligence, My daughter, XXXX, was wrongfully allowed to take out {$92000.00}, in two separate {$46000.00} withdrawal slips, from my checking account.. The signature doesnt look like my daughter ) s signature. Please request, Chase bank video for XXXX ; XXXX ; XXXX. The banker failed to call XXXX XXXX, where I was taken on XX/XX/XXXX, after my daughter XXXX  me in my XXXX. My XXXX  XXXX  were XXXX. After one day, I was sent to XXXX XXXX in XXXX NJ, I had and still do have, all my mental faculties. I-have a XXXX XXXX and Chase owes me {$92000.00}, They failed to protect my money. Please order Chase to put {$92000.00} back into my Chase Account.I am XXXX XXXX XXXX and I need the money to relocate back to XXXX near my doctors.I must obtain needed Medical care. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
XXXX bank in Michigan refuses to cash a check drawn off their bank to a non customer unless the customer opens an account called XXXX. I have proper state issued drivers licenses and XXXX other forms of acceptable governmental ID. I do n't bank with them nor do i ever plan to but they should be required to honor checks written from their customers to others. I was told it was a federal regulation that required me to open this XXXX account. When I asked what federal regulation stated that " i am in banking and know every regulation like the XXXX '' I was told well we dont know but its a federal regulation and you MUST open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.

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 2016-08-30
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I contacted a representative of Key Bank about a mortgage. The very first thing I told her was that I had a lot of student loan debt and asked if the program would work for me. She said yes. I then told her that I had already had my credit run a few times and we needed to wait for my report to show the correct payments on my student loans. She said I can check XXXX and monitor it for the correct payments, then let her know so she could run my credit. I did this, then emailed her that XXXX did not show the correct payments yet and we should wait. She then said that she had already run my credit report. Not only did I not authorize this, but I explicitly stated I did not want to run it yet. Because of this, I have too many inquiries on my record and my score has dropped XXXX points in at least XXXX of the agencies. This is a measurable difference of over $ 100/month on my mortgage payment, a serious financial damage. This inquiry must be removed from my record.

Company response to consumer: Closed with explanation