BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: Alliance One, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.

Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My hours at work have been cut drastically due to covid 19 and I used to make 80 hours a week and now am lucky to get 40. I have called the auto loan company the past two months to try to get an extension at the end of my loan or loan modification and they refuse they only offer me 7 day grace period or 2 weeks and pay two full payments with in a month. 
They refuse to put anything in writting in order to describe what they offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I defaulted on my mortgage and it went in foreclosure. I found some buyers that wanted to do a short sale. We issued all the documents that PNC Mortgage requested. As always they took forever to process. We were able to get the first foreclosure date canceled. However, when the appraisal was needing to be done. The company that PNC wanted to use was only able to do it the last week before the deadline was came up. PNC said the report from the appraisal came in past the deadline date and the file has been closed. We then issued current information,, like paycheck stubs, bank statements, and 2015 taxes. I have no documentation from PNC only the letters they send when they deny. They never email correspondance. They will call you and ask you the call them back. Or they will stop by the house and leave a door tag asking to call. I feel PNC sticks to verbal communication because it makes it hard for the buyer to had any backup to their mistakes. We found out today that the next foreclosure date ca n't be removed. The file closed again because the buyers proposal was too small. There is a lot of repairs that need to be done to this home. I feel PNC purposely stalled on processing. I feel they did n't even intend to work the case. This is not the first go around I have had with PNC when it came to almost losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW Financial services has erroneously reported a late payment on my credit report, specifically the XX/XX/2017 payment. They are under the misconception that the payment was made on the 31st day. It was not the payment was made online at the BMW website two weeks prior. They have told me verbally as well as in writing that I cancelled that payment. I did not. I did, however, make a payment online which BMW must have failed to process correctly. If there is a computer " glitch '' on their part and they see the payment as cancelled by consumer it hardly seems fair that I should have my otherwise excellent credit places in jeopardy. Your attention and assistance is greatly appreciated in receiving a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I contacted XXXX XXXX Because I was denied an apartment rental due to having a utility on my credit report. I contacted them to inquire what happened. I spoke with someone by the name of XXXX. She stated to me that two accounts were associated with my address. One was a mistake. The other was current. She notated that on my account and stated that I needed to contact the debt collection company to have them submit a dispute. I contacted the company, but the company require that I give them additional information and that I owe the money. I said I dont. Dont call me. I spoke with a woman named XXXX at the debt collector. She even gave me her direct line number. I asked her how long it would take

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company, Caliber Home Loans, is not interested in helping me keep my home which has been my primary residence for 23 years. They have offered {$13000.00} relocation assistance if I did a short sale. I agreed. They would not accept any reasonable offers and in fact would only accept $ XXXX after ordering two appraisals of my property and disregarding the lower appraisal even though this amount is more than my loan balance by almost $ XXXX. While a short sale contract was pending, Caliber offered {$13000.00} relocation assistance if I would sign a deed in lieu. After short sale file was closed on XX/XX/XXXX, I called to accept deed in lieu offer on XX/XX/XXXX and continued to call for several weeks. On XX/XX/XXXX, Caliber called but only to tell me that my home was now in foreclosure with a sale date of XX/XX/XXXX and I had no other options since foreclosure status placed on my account on XX/XX/XXXX. My attempts to negotiate any solution other than foreclosure have been ignored. I called XXXX at Caliber on XX/XX/XXXX in an attempt to apply for a loan modification and was told by her that the only thing I qualified for was the foreclosure and she refused to send me an application for a loan modification. I was never offered reinstatement options or given an amount to satisfy the loan or bring the loan current. In fact, I have never received written notification that the short sale was denied or given a timeframe to seek other solutions prior to foreclosure sale date. After talking to XXXX at Caliber, I researched my deed records and discovered discrepancies in the assignment transfers on my original Security Deed. It appears that Caliber nor its investor has the right to foreclose on my home due to the original loan documents being unavailable as the original lender went out of business. The Uniform Closing Dataset was not accurate due to the original loan documents being no longer available to properly record any subsequent assignments. See attached Affidavit of Assignment. Caliber filed an Assignment of Mortgage Security Deed on XX/XX/XXXX but called it a " Corrective '' assignment indicating that a prior assignment was properly filed and recorded. See attached Corrective Assignment of Mortgage/Security Deed. This was obviously filed in an attempt to be able to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was used to purchase many items, including cash without my permission or knowledge XX/XX/XXXX {$57.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$14.00} XXXX {$54.00} XXXX XXXX  XXXX XXXX XXXX {$54.00} XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$31.00}, {$100.00}, {$72.00} XXXX  {$10.00} XXXX XXXX  XX/XX/XXXX {$51.00} XXXX {$10.00} XX/XX/XXXX {$100.00} XXXX  {$10.00} XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX {$12.00} XXXX {$2.00}

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 monetary relief
Consumer complaint received 2016-09-21
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC bank is holding funds for over 3 weeks with regard to a dispute I entered when someone used my debit card through an online scam. When I speak to the customer service representatives they tell me the dispute investigation is almost complete and it should be any day. This vague reply by PNC is useless and I still have no idea when PNC will release my money. Furthermore, I have no way of contacting anyone at PNC except for the general XXXX number. When I ask to speak with someone who would be able to give me a better answer I get a number that no one answers and I you need a code to leave a message. PNC is stealing my money. How can a bank legally hold funds for over 3 weeks?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
At XXXX on XXXX I received a call from XXXX XXXX. I was not home and the following message was left on my machine : This is XXXX XXXX and I am tired of wasting my time and resources on you, it is in your " best interests '' to call me NOW! to resolve this matter before action is taken. After reading posts about this number on line I have found that this is a deceptive company that gives address of XXXX XXXX XXXX XXXX, XXXX, NY XXXX The address is vacant and for lease. If the company name Direct Recovery XXXX is XXXX it comes up with a company in California. They have a home made website with no information at all except pay now. I did not call them back because I never received a verification of debt letter from any company in over 6 years. Here is info directly from this company as posted on Who called me from ... The name of the company is Direct Recovery Services. Our primary location if XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. We also have offices in Minnesota and South Dakota. Full information is available at XXXX Any questions or concerns can be addressed in a call or in writing and will be immediately addressed. Send questions or concerns to XXXXXXXXXXXX.

Company response to consumer: Closed
Consumer complaint received 2016-09-06
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. 

Thank you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is in violation for violating consumers privacy rights by allowing insufficient matching procedures which resulted in credit reporting companies providing reports to entities without permissible purposes. 

Experian is subject to Criminal Liability for violating FCRA Privacy protections ( Sec 620 ). Identified credit reporting companies held liable - XXXX, freecreditreport.com, consumerinfo.com My experian account was hacked and my email was deleted and replaced with XXXX after let experian know an email was sent to me asking to verify my identity by sending my drivers license, social security card, bank statement, and proof of address. So I did because I thought it was experian. My account log in email changed from a. XXXX XXXX to a.XXXX  yet I was still unable to access the information. I received another email asking to resend my identification for verification purposes. I was hesitant so I looked up the address, XXXX XXXX XXXX XXXX, Tx, provided in the email and it linked to multiple credit reporting non accredited agencies, freecreditreport.com being main source. 

The name XXXX XXXX being the principal source and XXXX XXXX XXXX bring the Business manager. XXXX  stated Licensing Information : This business is in an industry that may require professional licensing, bonding or registration. XXXX  encourages you to check with the appropriate agency to be certain any requirements are currently being met. 

Experian 's negligence to protect consumer privacy and personal information exposed my personal information to these allowing deceptive trade practices without my knowledge, consent and authority which is considered to be identity fraud. These non accredited XXXX  consumer reporting agencies committed identity theft.

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 2015-08-24
Company: Mortgage Research Center, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: iQuantified Management Services, LLC
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:
During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-05
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: TX
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:
There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.

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