BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: United Collection Service Inc (Closed)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am unable to take calls at work I advised the collector to send information to my email address they called my work phone over XXXX times back to back

Company response to consumer: Untimely response
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I counted my money in preparation to deposit in my business checking account the next day, i had a total of {$6300.00}, i am sure i strapped {$5000.00} worth of money. XXXX bundle of $ XXXX= {$2000.00}, XXXX bundles of $ XXXX {$1000.00} for a total of {$2000.00}, and finally XXXX strapped bundle with {$800.00} worth of {$20.00} 's and {$200.00} worth of {$50.00} 's equaling {$1000.00}. That totaled {$5000.00}. the remaining money was loose money of various denominations for {$1300.00} The next day on XX/XX/2017 at aroundXXXXXXXX i entered wellsfargo at XXXX , FL XXXX to deposit money for my business bank account. the teller XXXX took my money and used the counting machine, his back was turned to me and he was covering the machine with his body. the counter was high and from my view i could not see the led read out of the machine that gave the total. he proceeded to use the machine the first {$2000.00} bundle was correct. the second bundle of {$1000.00} was correct, the next bundle of {$20.00} 's was short {$200.00}, i thought he miscounted or the machine was n't set to count the right amount of money because of the inclusion of {$50.00} 's. He said he had the other bundle that had the {$20.00} 's and {$50.00} 's mixed together and proceeded to remove XXXX {$20.00} 's to make the previous short bundle of {$20.00} 's to total {$1000.00}. He counted the remaining money using the machine. I told him i had a total of {$6300.00}, but he counted the money again and said it was short {$200.00}. He gave me readouts from the counting machine for the loose money but did not give me a readout for the grand total. I withdrew {$100.00} from my wallet and {$100.00} from my personal checking account to make the business deposit whole. I can not stop thinking that when he was counting the money with his back turned to me that he could not have slipped money into into his open suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: Westlake Services, LLC
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:
My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and Westlake Financial Services on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from Westlake in attempting to resolve 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 explanation
Consumer complaint received 2016-03-14
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX Account number - XXXX Account status - Closed Date opened- XXXX XXXX, 2015 Account type - Auto Lease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX where my car note was XXXX through American Credit Acceptance. In XXXX of XXXX I asked them to pick up the vehicle because I was given a bigger vehicle due to my family size changing so I didn't need another car. They didn't pick up the vehicle until XX/XX/XXXX yet continued to add late fees which is understandable. They then sent me a letter on XX/XX/XXXX telling me that they would sell the vehicle and the money they would get would go towards my balance. They sold the car XX/XX/XXXX. According to them I had an unpaid balance of XXXX and unpaid late fees of XXXX which added up ro XXXX. They sold the car for XXXX which makes my balance XXXX. They charged me XXXX to come get the vehicle, XXXX to prepare the vehicle to be sold, and it allegedly costs them XXXX to sell it. Which totals up to XXXX which then makes my balance XXXX. On XX/XX/XXXX I received a bill for past due amount of XXXX thats due XX/XX/XXXX. They continue to add late fees for a car that they already sold yet they are constantly adding fees. On top of this it's a XXXX balance for this car on my credit with XXXX and experian for the balance of the car which is supposed to be XXXX. They do not have the right to continue to add late fees to a vehicle they already sold. When I call them to dispute they hang up or tell me I need to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife has been hospitalized in XXXX from XXXX XXXX until XXXX XXXX. My wife is XXXX ill and will never be able to work again. My mortgage is with Select Port Folio. 
I have submitted several modification request with financial for the last year. I do not want to lose my home. Please help me to keep my home and lower my mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, STATE EMPLOYEES XXXXXXXX XXXX  XXXX Balance : {$1000.00}.

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 2022-10-01
Company: Revolut Technologies Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The conversation I had with the customer service team went on for a while, but XX/XX/XXXX is the date I have on record. 

The XXXX company revolut had a hacking incident, and I felt unsafe with the account. Phishing attempts through XXXX increased by a multiple of at least XXXX after the incident. I never received an email from Revolut about the incident. I found out through the news. 

My concrete complaints are : 1 ) Revolut did not provide information on how my personal information is treated in the company. I am unsure if the leak disclosed my social security number ( if it's unhashed ). They ensured me that my information is secure when it obviously isn't.

2 ) They said they would follow up with me but once the account is closed, I couldn't access my account to get updates, and repeated attempts of trying to contact them resulted in failure. I can't remember if my bank account is linked to Revolut and had to freeze my credit on all three American credit bureau. So far nothing has been taken out of my account as I placed a hold on my funds so no one can withdraw a large amount.

I am not sure if as a customer and a user of pre-paid cards is supposed to receive this treatment, but Revolut 's handling of my personal information and my request to understand how much information is protected has been difficult and unsuccessful. I am not sure how to get help at this point.

Please note that I have attached the entire history of my conversation with Revolut for refrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. 

This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.

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 2016-12-13
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: MNE Services, Inc
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
COLLECTIONS KEPT CALLING MY CELL AFTER SENDING CEASE AND DESIST. THEY CALLED XXXX TIMES IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my home to greentree servicing on XX/XX/XXXX due to loan modification process, loan process lingered for 12 months .I have filed XXXX complaints to my attorney general they were no help. I have had this mortgage for 18 years with XXXX year note. greentree deceived me through whole process. I have filed XXXX complaints with CFPB as of today I have had NO response from your XX/XX/XXXX. Regarding lawsuit. I was informed few days ago that ONLY mortgage from XX/XX/XXXX XX/XX/XXXX was quafied for settlement.!!!!! I have been harassed, decived, threaten, when I would fall behind. SO Why only a few have more rights to receive compensation than I?? This is unfair that our govt pick and chose. I have sent all my documents to your agency and would like an answer. I have lost my home with 2 years left to pay. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase has not helped us in the proper way. They did not follow the XXXX programs which I clearly qualified for. I checked the XXXX calculator with many other Real Estate, Banks, and Finance companies and they all told me the same. Chase should of tried to help me by reducing my APR ( Annual Percentage Rate ) from what I had for years of 5.625 % to 2 %. They basically have just given me an internal XXXX XXXX Modification that it 's meant for me to fail twice. XXXX in XXXX and the other in XXXX. I was on XXXX for the past 2 years and they placed me on a trial payment under {$1500.00} and all of a sudden they set me up on a payment of {$2100.00}. Please review all the documents and let me know what you can do. This has gone on for more than 5 years. I do not want to loose my home. I have sold most of my belongings and borrowed money to keep up with my bills and payments. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card
Issue: Rewards

Complaint:
I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation