BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: ZestFinance
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.

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 2015-09-09
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on the due date, at around XXXX. They are charging me a late fee because it was after XXXX. I feel any back that charges a late fee in that manner is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: STERLING JEWELERS, INC.
State: UT
Product: Credit card
Issue: Delinquent account

Complaint:
Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ATHAS CAPITAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Athas Capital Group Inc. is advertising Business Purpose - DSCR loans on its Website to the public. My family would like to purchase a condotel in XXXX XXXX, SC ( note, a condotel is the same as a condo accept condotel units offer Hotel style short-term rentals ). Athas Cap advertises the type of business loan I need. This is why I chose Athas Cap.

My complaint is twofold concerning two properties. My 1st complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. I went under escrow after I received Conditional Approval from Athas Cap. This property has since fallen out of escrow because Athas Cap failed to secure my loan. All that was left was to receive Clear to Close from Athas ' Underwriter ( s ) and upon receiving XXXX my Athas Cap Account Executive, XXXX XXXX, would notify my Title Company, XXXX XXXX, of the Clear to Close so then XXXX XXXX could schedule a Closing Date. The continuous promises by XXXX XXXX and Athas Cap went on for days, which turned into weeks, which has turned into months. The Seller provided extension after extension. It became well known amongst XXXX XXXX XXXX that XXXX XXXX was failing to provide loans as advertised. My understanding from an XXXX I know well is that, of his 12 loans, Athas Cap has only funded 1 out of 12. All others fell out of escrow, including his own, for failure to acquire the necessary funding. Each of these consumers, including my family, have lost our properties because Athas Cap falsely advertises a product to the public which they fail to provide. 

My 2nd complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. This complaint is similar to above accept that I am still under escrow for the property. I fear losing this property because of Athas Cap. I request that Athas Cap either provide DSCR - Business Loans like they advertise or they are audited to find out why. If Athas Cap is found to be out of compliance then shut them down. Athas Cap does not serve the public 's best interest, erodes consumer confidence, and has negatively affected many homebuyers in the worst way possible -- not providing what it advertises it will do -- to the point where families lose their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and noticed I have XXXX outstanding medical bills in collection that do n't belong to me nor was i ever notified I owed anything. Came to a huge surprise after I checked my credit out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Southern Auto Finance Co
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM CONTACTING YOU ABOUT THE COMPROMISING OF MY SOCIAL SECURITY NUMBER. I AM A VICTIM OF IDENTITY THEFT. I CONTACTED THE FEDERAL TRADE COMMISSION AND FILED A COMPLAINT # XXXX AND CONTACTED THE POLICE DEPARTMENT AND OBTAINED A POLICE REPORT # XXXX BOTH ARE ATTACHED. PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THE FOLLOWING ITEMS DO NOT BELONG TO ME AND IS A RESULT OF FRAUD THAT I DID NOT AUTHORIZE : SAFCO Account numberXXXX Account status Closed Date opened XX/XX/2013 Account type Auto Loan Balance Loan Amount {$12000.00} Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Company ran my credit multiple times

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 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.

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 2020-03-09
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the year XX/XX/XXXX, I was managing two small businesses ( XXXX and XXXX ). XXXX was providing on line computer support and XXXX XXXX was used for purchasing jewelry items through PayPal. After some time, PayPal sent me collection letters for {$780.00} for XXXX. I have tried to reach PayPal several times by Phone, Inter Office emails and even Certified Letters but I could not resolve the issues. 
In a call to PayPal on XX/XX/XXXX to their Dispute Dept. with XXXX, I was told that the Balance Due is only {$240.00}. On XX/XX/XXXX I received an e-mail statement that amount due is {$460.00}. ( See Exhibit B, Scan XXXX ).

On XX/XX/XXXX sent a Certified mail to PayPal legal Dept. I received an e-mail response on XX/XX/XXXX. ( See Exhibit B, Scan XXXX ) explaining Debt Amount of {$780.00}. Surprisingly if you added those amounts, it come out to be {$780.00}. 
On XX/XX/XXXX PayPal sent me an email in response to my Second Certified letter, ( See Exhibit B Scan XXXX ) to call PayPal to resolve issues. In every call I spoke to different depts. and different people, every one giving different answers. No one would confirm that I have spoken to someone else before. I have sent several inter office emails for which I received an automated response for receiving email without any follow up. 
Previously, I have received several emails informing me that PayPal is withdrawing their money request. In their emails, there is no Case ID or transaction information. Also I have discovered some duplicate transactions showing negligence on part of PayPal. Even after realizing their mistakes amount due is always {$780.00} and it would not change. 
After many phone calls PayPal provided me with access to XXXX XXXX account I have discovered many unauthorized money transfers and several transactions still on hold in their records. ( See Exhibit A and its summary ). These transactions are from XX/XX/XXXX to XX/XX/XXXX. Access to XXXX account was not granted. 
After discussion with several PayPal Dept., I could not get any explanation on phone, by email or hard copy. My businesses have suffered losses and ending up closed because of these irregularities. It has affected my Credit also. I request your help in resolving this case. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
mortgage company ( Seterus ) will not stop calling me even though have given them a date when I will pay They use robo calls and called me 7 times yesterdayI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On today 's date XXXXXXXX XXXX  2021 XXXX XXXX XXXX falsely reported that I was 30 days late. In which I was only {$12.00} short on XXXX of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXXXXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.

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 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On a XXXX balance credit card which I do not monitor I was charged incorrectly for a recurring yearly charge by XXXX XXXX, which I had cancelled in XX/XX/XXXX.  However, without my knowledge or consent XXXX XXXX charged me yet again the following two charges the following XX/XX/XXXX XX/XX/XXXX {$99.00} XX/XX/XXXX {$140.00} Only when the credit reporting agency alerted me of the 30 day late payment notice did I even realize that I was incorrectly charged, I called XXXX XXXX and they admitted their error and reversed the charges immediately. I complained to all 3 credit reporting agencies of this error and they sided with Capital One. This was inconceivable as the agent on the phone assured me that they would explain the mishap to the credit agencies and that the error would be corrected. This however was not the case, which is why I have escalated my claim to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a previous complaint # XXXX. This was concerning a debt payoff to ZFN & Associates last year ( Account # XXXX ) that was mistakenly paid to them on a debt being paid through court settlement. 

Zenith Financial 's response on XX/XX/22 was " Our client has not responded in a timely manner, therefore we are mailing the consumer a refund of {$1500.00}. '' I have made multiple attempts to their Compliance Dept to find out the status of this refund. The only call backs I have received ( one in XXXX, one in XXXX ) were to tell me the refund would be going out the following week. At one point around XX/XX/22, an employee stated that " we have reached out to the president of the company. He is currently on vacation, but when he returns next week he will personally send out a check ''. 
To date, this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a mortgage loan with Wells Fargo since XX/XX/2004, and recently started a mortgage refinance and found out that Wells Fargo hasnt ever reported the mortgage loan on my credit report. I have made all payments on time since XX/XX/XXXX!!! However I was turned down from a different company because I had no mortgage history reporting on my credit, as well as no credit scores!!!! I contacted Wells Fargo about this and they told me that it wasnt against the law for them to not report my mortgage loan to credit reporting agencies and they I would have to contact a lawyer!!!!

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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited check number XXXX drawn on the account of XXXX XXXX for Congress, held with XXXX XXXX Bank, XXXX, Michigan XXXX XXXX XXXX XXXX account XXXX XXXX XXXX into my account XXXX XXXX XXXX XXXX XXXX, with Capital One XXXX XXXX XXXX XXXX account XXXX on XXXX XX/XX/2022. The check cleared XXXX XXXX Bank. 

My account with Capitol One was opened in XX/XX/2022. This is the first check that I deposited with Capitol One. Capitol One accepted the check for deposit and placed a four day hold on the deposit. 

On XX/XX/2022 two days after deposit, Capitol One instructed me to contact them. When I called, we discussed the purpose of the check. I explained that it was a paycheck. Capitol One asked whether I had actually done any work for XXXX XXXX. I explained that I had. Capitol One insisted that they must speak with XXXX XXXX. I explained that I would ask but the conversation would be difficult, because we elected not to continue our consulting contract. 

Capitol One explained that they would close the account and continue to hold the funds. 

I spoke with XXXX XXXX. XXXX XXXX provided a copy of the cleared check. XXXX XXXX agreed that Capitol One could contact him. 

I called Capitol One again but could not reach a human. The line asked form me to leave a voicemail, which I did with instructions on how to telephone XXXX XXXX on ( XXXX ) XXXX. 

On XX/XX/2022 two days after leaving the voicemail with the information requested by Capitol One, I called again, because Capitol One made no attempt to telephone XXXX XXXX, the drawer of the check. Again, it is not possible to reach a human and I left the information requested by Capitol One in their voicemail.

Company response to consumer: Closed with explanation