BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2016-03-08
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: IQOR US INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls.

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 2016-09-22
Company: Stellar Recovery, Inc.
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 resulted from identity theft

Complaint:
I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief. 

This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Immediate Credit Recovery
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Broward Adjustment Services
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company was submitted proof of my XXXX prior to filing this debt in court. I am no longer liable for this 22year old account yet the company continues aggressive collections attempts through court ad credit reporting agencies

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 2016-05-23
Company: Pinnacle Credit Services, LLC
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:
Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank -- Wells Fargo Bank -- keeps charging me a {$35.00} " Overdraft fee '' over and over again, in rapid succession. This fee almost makes it impossible for me to build up any sort of positive balance in my checking account. For example, the bank charged me XXXX {$35.00} overdraft fees on XXXX XXXX, then on XXXX XXXX the bank charged me a {$35.00} overdraft fee and a {$35.00} " insufficient funds '' fee. Then today, XXXX XXXX, 2016, Wells Fargo again charged me XXXX {$35.00} overdraft fees, and the amounts I charged to my credit card were only {$5.00} ( for a breakfast croissant and a cup of coffee ) and {$2.00} ( for a box of doughnut holes ). So, as a result, my breakfast on XXXX XXXX ended up costing me {$40.00}, and the box of doughnut holes cost me {$37.00}! I monitor my accounts with Wells Fargo very, very closely, and I do my utmost to always keep a positive balance in this account. But sometimes my incoming checks just do n't arrive quite as quickly as my bills do ( or my desire to eat ). I once spoke with a banker in my local branch, and he seemed to want to help me, but his superiors at Wells Fargo would not allow him to do more than reduce XXXX or XXXX overdraft fees by half ( to {$17.00}, rather than {$35.00} ). I want these XXXX Overdraft fees to be taken off.

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 2016-10-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened a checking account in my name without my knowledge.

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 2016-12-16
Company: ERC
State: TX
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 was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-04-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: ERC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My parents have been receiving phone calls on an almost daily basis from ERC, Enhanced Recovery Company. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that XXXX had requested they start a collection process from me. I contacted XXXX only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a XXXX account. They were made aware of this, but somewhere between XXXX and ERC the communication was lost.

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 2017-03-02
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 resulted from identity theft

Complaint:
Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a One Deposit Checking account online with Citizen Bank ( XXXX. XXXX XXXX XXXX XXXX, RI XXXX ) in XX/XX/XXXX, been doing all my transactions online or using debit card in XXXX XXXX, NY that I reside, received emails from Citizen Bank and downloaded my paperless statements. 
On XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX from bank indicating my account is overdrawn {$120.00} urging me to make a deposit. I downloaded my latest XXXX/XXXX/XXXX statement, it show that my account was overdrawn {$2.00} on XXXX/XXXX/XXXX, bank charged {$35.00} overdraft fee on XXXX/XXXX/XXXX, then a {$30.00} sustained overdraft on XXXX/XXXX/XXXX, another {$30.00} sustained overdraft fee on XXXX/XXXX/XXXX and a third {$30.00} overdraft fee as was implied in XXXX/XXXX/XXXX letter or charging me {$120.00} for overdrafts between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX without letting me know by phone or email that my account was overdrawn $ XXXX.I called the number on the letter and was told that bank had sent me another letter on XXXX/XXXX/XXXX, when asked why not a phone or email message, I was told bank sent the letter. All my other banks alert quickly such matters, later on XXXX/XXXX/XXXX I received an automated message from Citizen Bank urging me to call them, this imply that besides my email they did have my phone number.I did and told them that I already talked to their rep. 
Citizen Bank had my phone and email on file, made no attempt to inform me of the {$2.00} overdrawn amount and charged me {$120.00} overdraft fees, when I called them on XXXX/XXXX/XXXX I was also told that my account is eligible for one time overdraft so the initial {$35.00} fee no longer apply and I just have to XXXX {$90.00} for three times {$30.00} sustained overdrafts. This also imply that if the bank had informed me of the {$2.00} overdraft right away, I did not have to pay any overdraft fine, but the bank did not call or email and kept charging {$30.00} fine over and over, I only have their word that a letter was issued on XXXX/XXXX/XXXX. The only letter I received is dated XXXX/XXXX/XXXX and arrived on XXXX/XXXX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: ERC
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:
My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.

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 2015-03-30
Company: FastBucks
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
i applied for a loan in 2011 and due to my credit i was denied a loan. i am now receiving phone calls from a mediation services scompany telling me that i had money deposited to my bank account which was not open during the time they claimed they deposited money and asking me to pay them XXXX dollars for the charge to be filled. I requested the company 's address and information and they hung up on me various time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: ERC
State: ME
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:
Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Big Picture Loans, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Castle payday forwarded this debt to a XXXX party XXXX however on Monday XXXX XXXX, 2015 I received a voice mail on my work voice mail by an unidentified company which is the following : Hello this is XXXX XXXX I 'm calling in regards to a formal complaint that 's been filed against a ( My Name ) if you have any information that may lead to the where abouts of this individual please contact our office immediately at XXXX regarding complaint # ( number here ) the next step will be filing the necessary paperwork with the county district court. 

This same exact message was left on my father 's cell phone, my sisters cell phone, my other sisters home phone and the home phone of a close friend as well as my work phone as I mentioned previously. Prior to this I have never been contacted to then suddenly be harassed by XXXX phone calls with my personal information going out within approximately XXXX mins going by. I immediately called back and spoke to a gentleman by the name of XXXX @ extension XXXX, it was at that time I identified the company as XXXX. He told me what Castle Payday authorized him to do. I advised him I 'd call back. I followed up with Castle payday today XXXX/XXXX/15 and was told this was sent to a different company entirely. 

Please assist or advise. 

Thank you

Company response to consumer: Closed with explanation