BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Capital Markets Cooporative, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, my wife and I bought a house - the mortgage was set up with XXXX. Shortly after closing, Access National sold the mortgage to CMC Funding ( " CMC '' ), a wholly-owned subsidiary of Capital Markets Cooperative, LLC. We were directed to send the monthly loan payments to XXXX. 

We have had problems with XXXX servicing our mortgage. Specifically, we had XXXX problems when we attempted to make additional payments to reduce the remaining principal on the loan. On XXXX XXXX, XXXX I sent XXXX checks totaling {$40000.00} to pay down the principal. On XXXX XXXX, I noticed ( on the XXXX web site ) that checks had not been applied to our account nor had the checks cleared our bank accounts. I called XXXX 's customer support to inquire and was told I had sent the checks to the wrong address - even though it was the address listed on their web site and the same address that I had previously sent checks. Over the past week ( XXXX XXXX thru XXXX XXXX ), I have worked with XXXX to resolve the issue. XXXX 's president, XXXX XXXX was very responsive and I have no complaint regarding XXXX. 

I also attempted to contact CMC because to my understanding, my legal is agreement is with CMC, not XXXX. They were completely unresponsive. Their web site directed me to call a phone number for a person that covered the Midwest. I left a message on XXXX XXXX requesting a call back - no call back - and called again on XXXX XXXX - no answer. I attempted to contact CMC via an electronic form on their web site - the form does not work. I contacted their XXXX, XXXX XXXX, via LinkedIn and received no response. I called a phone number on their web site - not only was there no answer, there was no voicemail. I talked with my contact at XXXX and apparently they were unable to get a response from CMC. 

While CMC 's internet presence is what I would expect for a mortgage company, their lack of response makes me question whether they are a legitimate company. How can a company be in the mortgage business and yet be unreachable by phone or electronically? 

I have a lot of questions for CMC - first of all, why was my loan assigned to a loan servicing company in XX/XX/XXXX known to have terrible customer service under their previous leadership - and later found to be guilty of fraudulent business practices? I want to know what is going on with the " wrong address '' problem. Did CMC intentionally make it difficult for customers to pay down the principal with additional payments? I also want to know if CMC was involved in the Equity Accelerator scheme. 

Last, I want CMC to hear firsthand from me regarding the impact of these problems - the trouble that it has caused me. My legal agreement is with CMC and I hold them accountable for all of these problems and consequences.

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 2015-08-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loan provider for my private student loan is refusing to help me with some options to repay them. Unfortunately I recently lost my job and have no income because I was denied unemployment benefits. I am still fighting that decision with the State Department of Labor, but in the mean time I explained to FirstMark Services ( A Nelnet Company ) that I could not pay my monthly amount. I explained this to them before the date my payment was due since I had signed up for their auto debit program. They claim that since I have not made at least XXXX payments I am ineligible for forberance. So after that they continued to charge me late fees even after they knew about my situation including trying to collect the money from my bank account with no authorization which resulted in my bank charging me returned check fees. Then on XXXX/XXXX/2017 which would make my payments two months late they have a debt collector call me saying they are trying to collect a debt from me for an amount well above two months late including late fees. They then proceed to connect First Mark Services via a three way calling and then both of them started recording me telling me that they could not help me and that I do n't qualify for forberance and that at the end of the month it will go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check that I wrote from my bank account and deposited it into another of my bank accounts. It has been 5 business days and they have n't released even XXXX dollar of the funds. Should I just have cashed the check at the originating bank and then deposited the funds? How long can they hold my funds? I have never deposited a bad check or overdrawn my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Express Aviation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Nationwide Biweekly Administration, Inc.
State: FL
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
nationwide biweekly with drew XXXX from my checking account to make mortgage payments on my house in XXXX ohio. They did not make a single payment and will not ansewer their phone.I contacted the bbb last month, they donot seem to care at all, they even post on their web site that all complaints have been settled. I contacted nationwide in XXXX 2015 and they did return XXXX to my account, but they still have XXXX of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.

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 2017-01-16
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company put this on my credit report without notifying me of the debt, did not give the right to disputed, and reinserted an old debt as new debt on my credit file without giving me a five days notice first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've been monitoring my credit report online for years. I check my report everyday. On XXXX/XXXX/XXXX, I receive an email stated a new account has been added to my credit report. I check my account and notice the information that is being reported stated that the account was first reported in XXXX XXXX by XXXX XXXX XXXX XXXX Needless to say, this is my first time seeing this account on my report as perviously stated, I check my account everyday. I called and was transferred to different departments. With no solution. I am requesting this account to be deleted because it was not there a week ago or even in XXXX. How was this account verified to be placed on my credit report? Was it deleted then reinserted? Who verified this account? How was the account verified? Is transunion or XXXX XXXX XXXX able to provide me with an orginal contract that I signed with the orginal creditor? I just feel like my rights were violated. I receive a call last week from a lady claiming to work for this company and asking for my mom and stated she needed to deliver some papers to me and then a week later, I get an email about a new account on my credit report. Is this the legal way to verify a debt? Either way, I never received any notification of it. And its bad practice. Like I said before, I check my account every single day and i know what is on my account and this was not there in XXXX. I need to move and its preventing from renting I have a XXXX mth old baby and i have up until the XXXX to move. And has become an issue at this time.

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 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.

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 2015-09-22
Company: ERC
State: CA
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:
I am in the middle of a refi and there is a collection on my credit that is not mine. XXXX is the original creditor and they have given me a letter confirming this is not my debt ( I am actually a current customer of XXXX in good standing ) I contacted the collection company ERC and they refuse to give me anything in writing confirming that they will remove the negative reporting. I need a letter from them so that I can continue the refinance of my home loan as this is affecting the rate I can qualify for.

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 2017-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase Bank Cashed 2 of my personal checks to pay my rent to XXXX XXXX There client " account holder '' XXXX XXXX XXXX XXXX XXXX chase cashed my rent payment and placed in there clients Chase Bussiness Account. XXXX XXXX, 2017 after waiting over a hour soke with XXXX XXXX ' XXXX Branch Manger Chase Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX. Whom informed me it would take 3 years for me to get refund and duress payment. I am asking fro the account of payment and dress payment XXXX that is smallest account in small claims court. I contacted there client XXXX XXXX XXXX asking return of my rent payment and duress. I was told No they were not going to return payment there reply '' We do not look at checks we just cash them " and hung up the phone. { I guest Chase Bank Does Not Read Checks Either }

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Pressler and Pressler used extremely aggresive legal tactics to collect on a XXXX Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though XXXX and Pressler and Pressler knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I signed up for my bank account, I opted out of the option to allow my account to go negative for overdraft purchases. My debit card is supposed to be declined if the account is overdraft or if the transaction will allow me to go negative. However, on XXXX/XXXX/16, my account was overdrawn because of debit card transaction and I was charged {$180.00} in overdraft fees. Since this was also a holiday weekend, the transactions posted to my account very late and were n't posted in order. I contacted my bank online via their messaging system and asked them to remove the fees as my debit card should not be allowed to go negative and my card was not declined. I did not receive a response. I called them on XXXX/XXXX/16, 2 weeks after I sent the message, and I was told that my account was opted in to allowing my account to go negative for debit card purchases and that I could not have the fees waived because of that. I explained that when I signed up, I specifically said I wanted the option for my debit card to be declined if my account is negative and they should also have the forms confirming that in writing, the forms were filled out with pen. If they made an error and registered my account incorrectly for their own benefit, they need to waive the overdraft fees.

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 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.

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