BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In 2019 my husband and I decided to change our bank to a credit union through his work. We switched out our direct deposit and waited a week prior to contacting citizens to close out our account. We were told the account would be closed and there was nothing more to do on our part. We called the XXXX number to close being we only had one car at time and my husband used it with work when bank was open. 
This is verifiable by looking at transactions and seeing we had our direct deposit for years weekly and then it stopped. 
Today I got a copy of my XXXX system report and seen citizens listed as account abuse and owe {$170.00}!!! This was the First We knew about this. We had NO outstanding checks which can be verified that no checks processed. We were charged this from closing our account? We are said we have abuse because we closed our account? We never once heard from the bank and we assumed this was closed! 

We need this investigated and the fee removed and our XXXX system report removed because this was not our doing! This account was not negative when we closed it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
A debt belonging to an ex-spouse resulted in a lien against my house. I have been divorced for 4+ years. The divorce decree states the debt is her sole responsibility. The debt is in her name ( I am not part of the original contract ). Her name has been removed from the property and has been confirmed by county records. The company Midland Financial refuses to speak with me regarding the matter because my name is not on the account. I am not looking for anything more than getting the lien released from my property since the debt is not mine in any way. Attorneys say they can not help me and the county says there is nothing I can do, but there is no way this can be right? I need your help because I do n't have the money to afford extensive litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: ERC
State: FL
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:
This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-28
Company: Skrill USA, Inc.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015 I made a trade for virtual currency in the ammount of {$90.00} XXXX from my XXXX ) to XXXX XXXX XXXX I received confirmation emails from XXXX parties telling me that my funds had been successfully sent from XXXX and received XXXX. Within less than XXXX hours I found several rewiews about XXXX warning people that this site was a SCAM! I imediately contacted Skrill and explained to them the situation. I received an email confirmation that they had received my inquiry and would take care of it as soon as possible. I also contacted XXXX several times and received NO respose. 

It has now been XXXX week and I have heard NOTHING else from XXXX or XXXX. I sent a follow up email to XXXX today XXXX XXXX XXXX, 2015 ) in regard to to same inquiry. 

What can be done about the {$90.00} XXXX that have lost? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-28
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I told the company and the collection agency it was not me I never lived in that state or visit it in was told to contact the other one in despites having it disputed through XXXX  XXXX, XXXX, and XXXX  it is still not resolved in keep being told they are saying I am responsible for 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 explanation
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Bank of America attempting to change terms of closed credit card. This is prohibited under CARD Act. I do not consent to an increase in late payment fee detailed in the XXXX 2016 notice.

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 2016-10-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ
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:
XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.

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 2017-01-07
Company: Liberty Holdings, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017I sent money to XXXX.Western Union.didnot delivered my money as I was promised.when I called WU they hung up on me.then somebody called me about an hour later I complained to him and asked him what the problem and what is the holed up.He said he will call me back in ten minutes.no body called. On Thursday XX/XX/XXXX.I called WU to inquire about hold up, they asked for my ID and someone will call me in about three hours.no body called.this is not the 1time.this the XXXX time I get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bought a product from a company and recieved it well after they originally told me. 

Product did n't work, so I sent it back per a text agreement with the merchant. 

Merchant ignored me and would not respond to me for over a month. 

Decided to get my bank involved, they sent me temporary funds only to take them back a few weeks later saying it was more than 60 days after my purchase while 20+ days I did n't have the product delivered to me. 

Now as of yesterday the merchant has finally responded to me basically saying they have the manifold and the money and then will not contact me anymore. 

My bank will not do anything even with written proof the company has the product and does n't plan on sending it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.

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 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address

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 2022-04-18
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid my bill and I couldnt see what I owed and my balance is XXXX at this timex Please check it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {$5100.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds. 

Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ). 
The letter states that I owe USAA {$26.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA. 

Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {$26.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: Central Capital Arbitration Firm, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!

Company response to consumer: Untimely response
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They will not work with me on my student loans despite acknowledging my lack of income as compared to previous income ( after job loss I had to start over in the job market ) .. I was never informed that I could 've done income based payment options until I was out of fierce stance options. I never knew there was a limit to the amount of forebearance you could do on the loans. It was always offered to me when I was behind and I took it not knowing the consequences over the long term. Now I 'm in need of forebearance due to income and it will not be awarded nor can I afford the payment amounts they have offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: LEXISNEXIS
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.

Company response to consumer: Closed with explanation