BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
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 debt is not known to me. I recently requested my XXXX Credit reports to access my credit history in order to establish why my attempts to acquire credit results in a denial. I have always made it a duty to diligently address any issues before it became a collection and have not opened any new accounts in the past ( XXXX ) years. I request full validation from the crediting or reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

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 2016-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My credit application to Citizens One for XXXX XXXX XXXX was just denied. My credit rating is XXXX! The credit card I offered has a XXXX Credit Limit and my current balance is less than XXXX. 
I am stunned and was frankly embarrassed by this action. 
Then, try to get an answer from the company! They deny access on the website and phone Unless you have an existing loan. 
Yes, I can go to a retail store and get the phone, but without the advantages of the XXXX XXXX plan, which is the reason I went to the XXXX in XXXX XXXX, California! 
XXXX should be looking into theses issues which from what I understand is not unusual. Others with excellent credit are denied access to the new IPhone benefit program for no cause. We are talking about financing less than XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Williams & Fudge, Inc
State: AL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been repeatedly contacted on my cellular telephone by Williams and Fudge, Inc ( XXXX XXXX ). During the initial telephone call, which was made on XXXX/XXXX/15 XXXX by XXXX XXXX, a Williams and Fudge , Inc employee, I repeatedly asked if this was a collection call and was told that this information would not be revealed. XXXX XXXX informed me that she would not provide me with any information unless I provided both my birth date and social security number. I believe this to be a FDCPA violation, as Williams and Fudge, Inc was specifically asked if they were a debt collector and refused to answer this question. I informed XXXX XXXX that I did not owe any debts and that if this call was a collection call, it was in error. I was told " this is n't going away ''. On XXXX/XXXX/15, I received a letter from Williams and Fudge , Inc alleging that I owed a debt. On XXXX/XXXX/15 XXXX, I received another phone call from Williams and Fudge, Inc. The caller hung up the call as soon as I answered. This call was recorded. I believe that these repeated contacts with me on my cellular telephone were harassing and violate the FDCPA. I do not owe any debts and will not be engaging in any further discussions with Williams and Fudge, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Healthcare Collections-I, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was not living in Arizona during the dates reported. I have requested verification of debt and detailed bill, with my signature and insurance information and have not received any.

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 2015-03-25
Company: Arbor Residential Mortgage LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2014, we fell behind on our mortage payment with Seneca Mortgage Servicing, LLC. They stated we were 2 months behind after returning a month 's payment stating they will only accept the entire amount due, which was approximately {$2400.00}. Prior to this, they had sent someone to our home representing Seneca, took photos of the outside of our home & left a notice that they plan to begin the forclosure process. We contacted them the next day ( XXXX 2014 ) and they initiated a repayment program where we would put {$1200.00} down and add an additional {$200.00} a month to our mortgage payment for the next 6 months, which we did complete. On the 7th month, we called to make our payment and they informed us, we now owed {$3900.00} & were still 2 months behind. In the interim, they had never sent us a copy of the agreement/amortization despite several requests. The account manager could not explain where my additional {$2400.00} in payments were applied. I demanded a copy of the repayment plan and they sent XXXX they created 5 days after my phone call, which did not have not the original terms and the terms showed what they now claimed was the terms. The agreement phone call should have been recorded and they could obtain the details from that, but have not. The asset manager does not return calls and the account manager asked me to " stop talking '' when I was disputing the issue. There has been no resolution and we are afraid they will be agreessive with forclosure threats again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I opened a transaction dispute claim with Bank of America on XX/XX/2020 in the amount of {$1800.00} for merchandise I never recieved. I submitted the fraud department with all appropriate paperwork signifying and proving the exist of my claim, XX/XX/2020 I was informed by Bank of America of the documentation they received back from the merchant regarding the dispute. I informed Bank of America fraud department that the information they received from the merchant was false information and contradictory of additional documentation I had, at that point Bank of America asked me to send them the additional documentation which I did on XX/XX/2020. I followed up with Bank of America to make sure they received the additional paperwork I sent regarding the claim I spoke with a representative and she did confirm they received it and the claim was continue to be open and they will look into it. I did not hear anything from Bank of America regarding this claim for almost 3 months so I decided to give them a call and follow up on the claim, this was on XX/XX/2020. At this time the representative let me know that it looked like they had no further information regarding my claim but now they were out of their initial time limit to investigate the claim and they would give me an answer within 48 hours, I then received an email notification that my claim was disputed because it had reached the time limit. I called Bank of America fraud department to get further information regarding this, and they let me know that there is now nothing they can do because they have reached the 40 day time limit from the time the claim was open and they have no rights to pursue the claim anymore or provide me any kind of financial compensation. I was never communicated throughout the process of any kind of time restraints that we were working through, I kept close contact with Bank of America throughout this process and was never told when I sent the second documentation paperwork that there would not even be enough time to do a thorough investigation, Bank of America did not do a thorough investigation they did not take into consideration all of the documentation that I sent them which clearly explains that I have absolutely zero merchandise from the merchant who charge me this amount, I was continually informed by Bank of America that they did receive my information that the claim was being looked into they advised me to send them additional documentation they never told me that when I sent them the additional documentation it was now out of their time restraints.

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 2016-09-25
Company: ProCollect, Inc.
State: TX
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 identity was stolen on or around XXXX XXXX, XXXX. It was used to acquire a loan or furniture from XXXX in the amount of {$4500.00}. I attempted to work with XXXX to make them aware that the account was indeed fraudulent, but they refused my police report because I would not send them a copy of my credit report ( I did not want them to have my personal information in the first place, they are not a trustworthy company and I do not want them to have my personal information ). I then contacted XXXX and gave them the evidence that they asked for ; XXXX then deemed the account fraudulent and removed it from my report as did XXXX and XXXX. Ever since the fraudulent account was opened I have been harassed by XXXX, up until XXXX of XXXX when XXXX sold my account to a collection agency who has now begun to harass me. The collection agency, Procollect Inc, has now added a collections account to my credit report.

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 2016-12-01
Company: KEYCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My business checking account with First Niagara was actual just acquired by KeyBank. I made bill payments on XX/XX/XXXX and XX/XX/XXXX with First Niagara. Seven of my customers ( long standing ) stated that they did not receive their checks. As of XX/XX/XXXX KeyBank took over First Niagara operations, it has been chaos ever since! I have spent XX/XX/XXXX month on the phone with KeyBank representatives ( multiple, who all give me a different story ), hours on the phone and in the branch bank trying to get some resolution! My customers and a automated bill pay alert from First Niagara are stating that the customers never cashed their checks, while KeyBank is stating they did! Due to a misunderstanding of how bill pay worked at my particular bank! NO ONE at KeyBank understands that when I submit a payment on bill it is automatically taken out of my account! This was confirmed by my branch office. The customer service representatives at KeyBank not only argue with me about it, but also when I have my branch call. NO ONE can even given me evidence that they were cashed ( a standard banking practice )! In the mean time, I have double paid 7 of my customers due to bank not knowing what they are doing! This should have been a easy issue! It has turned into a nightmare for me and my business partner!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CFPBMy issues started XX/XX/XXXX with Bank of America ( BOA ). Reached out to BOA for help with my mortgage : rate reduction, refinance, etc ... At that time the representative recommended the loan modification at no cost to me. Began the modification process XX/XX/XXXX, had questions about the figures they calculated and then I was denied the process. Reached out again to inquiry about the denial and was recommended to reapply due to government changes. Process began again XX/XX/XXXX. Again, I had questions about the figures. No one during the modification process ( during negotiation ) was able to explain how they calculated the new totals. Yes, I receive documents with the figures but not sure how the numbers formulated. So I signed the modification papers clearly under duress to avoid starting the process all over again. Finally get new statement and begin to inquire about a {$3400.00} non-interest bearing loan amount. I called BOA several times to inquire about the non-interesting bearing loan. One BOA representative told me not to worry about that loan because there is no interest accruing on it. He told I had to wait 30 days before I can hear from someone regarding the loan amount. On the 30th day I call BOA again to see if someone could explain to me what makes up the {$3400.00}, the representative at that time told it was too late for me because I already signed the papers. Again, I requested for a manager or supervisor to contact me regarding the {$3400.00}. I was told again that it will be 30 days before someone will be able to get back to me. Within the 30 day waiting period, I received a letter stating the {$3.00} will be forgiving. New government laws allow companies to forgive debt, issue a XXXX at year end and the client has to pay taxes on the forgiven amount. My original request was for an explanation to the non-interest bearing loan. Now I have until XX/XX/XXXX to accept or decline the forgiveness offer. I do not understand why I would have to pay taxes on something I do not owe. BOA has already damaged my credit by stating my mortgage payments were late during the modification process. Totally untrue. I made ever payment they recommended me to pay ON TIME. Clearly I have been going through a completely unfair process with Bank of America. If BOA believes I owe and wants to forgive please apply to the current mortgage loan balance. CFPB, please help me understanding why a client has to pay for BOA errors. Their current representatives have no clue how to handle situations regarding problems or issues that has occurred on BOA 's behalf. All they want to know is - " Are you making a payment today? '' I love to get out of BOA loan and find another mortgage company but I do not want to carry the incorrect balance to another company and pay something I may not owe. Again, PLEASE HELP ... ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A lady named XXXX XXXX, working for a company called XXXX contacted my neighbor. My neighbor said she must have just searched for numbers belonging to people in our neighborhood because she did not know her name but asked if she lived in our subdivision which she named and then she asked her if she knew me in the neighborhood. My neighbor said not knowing if it was an emergency she said yes she is my neighbor. At this point XXXX proceeded to tell her she and I were business partners doing business together and that she had n't talked to me in a while and the number she had for me no longer worked. She asked my number if she had my number and when she was not able to get that information she gave her a number for me to contact. I do not know any of my neighbors like that and I only know this ladies name and her mines because we introduced ourselves to XXXX another. This was completely out of line and illegal and I would like to do whatever I can legally to make sure this does not happen ever again. The number she gave my neighbor is XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: Van Ru Credit Corporation
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.

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 2015-07-10
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Credit Karma, LLC
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not authorize these company 's to pull my credit. These inquiries were not made by me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.

Company response to consumer: Closed with non-monetary relief