BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: Windham Professionals, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man named XXXX keeps calling my work number ending in the digits XXXX and leaving messages saying he is with Windham Professionals and that it is a debt collection agency and he is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Writ of Garnishment and it said I had 28 days to respond with either an exemption for garnishment or a dispute. I was going to send in the exemption because I owe child support, plus take care of my 4 children and wife in my own home. The following day after receiving the documents I found out my check was already garnished! I didn't even get a chance to turn in the exemption before they started the garnishment. I sent in the letter anyways and by this time I had gotten another garnishment of my paycheck. I dont even know what this debt is for. It says no where on the paperwork what it is and who it is for. Just Allianceone Receivable. I am trying to save money because of the COVID-19 shut downs. I am losing my job soon, this couldn't have come at a worse time. I turned in the Exemption form and they are threatening me with more attorney fees and charges if I don't withdraw my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from  XXXX  saying that a new negative debt had been posted to my   XXXX    Credit Report by TransWorld Systems INC. I checked with both the original debtor and the  XXXX   XXXX   XXXX  with whom I have already been working to pay this debt. Neither have ever heard of  XXXX  or has any affiliation with them.     They posted  XXXX   (  XXXX  ) d ifferent accounts on my report allegedly from the same debtor as well. This is also false according to the original debtor,  XXXX   XXXX   XXXX   XXXX  in  XXXX  Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My Name is XXXX XXXX and on XXXX XXXX a letter was mailed to me from Santander Bank congratulating me on opening my new account with them. I received the letter in my mail on XX/XX/XXXX. The problem is that I did not open an account with them. I tried to contact the bank by telephone and after 30 minutes on hold I hung up and decided to go to a local Santander Branch. I am not nor have I ever been a customer of Santander Bank. I spoke with XXXX at the XXXX XXXX branch in XXXX MA and she helped me in contacting Santander fraud department. 
XXXX tried to be helpful. When the fraud department was contacted they took a statement from me and asked questions for their investigation. I was then told that the fraud department may or may not call me to ask further questions. Then I asked a few questions of my own. I asked for contact information for the fraud department to follow up on their progress on resolving the matter on the account. I was told that the fraud department does not have a contact phone number. I then asked how I would know things were resolved and the account closed. I was told to check with the credit agencies and to let them know that my identity was compromised, but gave me no indication that Santander, who opened the account, would let me know when this situation with them was resolved. 

I then asked if they had any information on where the account was opened and how much money was used to open the account and they were unwilling to give me any information. I have not opened a new bank account in a number of years, but I said I thought an ID and validation of a social security number were required to open an account. They would not answer that information other than to state it was possible for someone to open an account on line and would not answer me when I asked if they collected what I thought would be the proper documentation required to open an account. I became very frustrated as I am obviously a victim of identity theft and the bank was unwilling to help me gather details on the situation for me to report this to the government, the credit bureaus, and companies that I have a financial relationship with such as credit cards, my mortgage company, etc. 

Can you please explain to me what banks are required to do when opening an account. Specifically, what documents do they need to inspect before opening an account ( driver 's license? proof of residence? social security card? ) Also, I would like to register a consumer complaint on how I felt I was being stonewalled and restricted from obtaining information on the resolution of the specific transaction involving the theft of my ID with 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 2016-09-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hard to tell what has happened but it appears that Wells fargo has chosen to apply 100 % of my XXXX payments to interest. 
I was in approved forbearance until XX/XX/XXXX with a XXXX XXXX  backed mortgage. XXXX XXXX forbearance rules prevent accruing interest on forbearance by servicers. WF did add a " unpaid second principal balance '' to my loan for the 11 payments I missed [ $ XXXX {$10000.00} ] I made a total of XXXX payments in XXXX [ XXXX ]. My XX/XX/XXXX principal balance was {$160000.00}. My XX/XX/XXXX balance increased to {$160000.00}. My XXXX from WF indicates " total interest applied '' of {$6200.00} plus payments applied to previously deferred interest of {$3300.00} '' for a total of {$9500.00} [ suspiciously also the total of payments made in XXXX [ XXXX ] ] They are charging me interest on deferred payments in contravention to guidance from XXXX

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 2022-01-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have three zero-balance accounts with PNC Bank that I would like to close. 

At approximately XXXX eastern time on XX/XX/2022 I was connected with a representative who gathered my information, carried on a conversation, and asked how she could help. The call quality was pristine. As soon as I told her I wanted to close my accounts, she immediately said that she could not hear me. For roughly 90 seconds, I would say something, she would immediately say " I can not hear you '' only after I spoke. When I pointed out that she only said that when I spoke, she quit responding and disconnected the call roughly 15 seconds later. 

Further attempts to request a callback or reach support via the @ PNCBank_Help XXXX account have not led to any communication from the bank, and since they do not offer an online account closure I am unable to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 no message Midland Credit Mg XX/XX/2020 no message Midland Credit Mg

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2022-01-03
Company: EQUIFAX, INC.
State: FL
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 Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
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 Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2015-07-27
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
My wife and I used to live in XXXX and we had XXXX cable for internet and TV services. Before we left XXXX back in XXXX 2014, we paid all the bills to include XXXX, utilities, and electricity because the house was being rented we dont want to leave any outstanding for the new tenant. Last week, we received a collection letter from CBHV ( Collection Bureau of the Hudson Valley, Inc ) Tel : ( XXXX ) XXXX or XXXX. Threating us to recover the fund. We talked we XXXX and they confirmed that we paid all our bills and had refund in our account in XXXX ( Ticket Ref : XXXX ). The collection company wo n't stop harrassing us until we paid the money to them when we tried to tell them that they need to get with XXXX because we did not owe any money to XXXX for previous srvices in XXXX. We want them to stop harrassing us and talking to XXXX to update the case which should have never gone into collection since we paid all our debts to XXXX before we moved out XXXX to live in XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nearing the end of Covid related forbearance I applied for a modification long before the final months of forbearance. Modification was quickly approved. I made 3 trial period payments ; each on-time. I was informed by Flagstar I could not set up auto pay until the modification was finalized. I then made a 4th payment, again, on-time. I then received documentation that the modification was finalized and logged on to set-up auto pay. I learned then, XX/XX/XXXX that Flagstar had included an escrow for property taxes and homeowners insurance on the new mortgage when there had never been one previously. I contacted Flagstar customer service on XX/XX/XXXX and was told many modifications department personnel had been hired just to process the flood of modifications and many new loans were being set up incorrectly. I was promised new loan documents, reflecting the proper payment amount without an escrow for taxes and insurance would be mailed to be by XX/XX/XXXX. I have, since XX/XX/XXXX spent more than 10 hours on the phone with various customer service personnel in both Flagstar 's escrow and modification departments. Modification keeps closing escrow resolve case numbers saying the modification department says the modification is done... 
It is now XX/XX/XXXX. I have yet another mortgage payment due no and the amount of the payment continues to be over XXXX dollars a month more than it should be. I was not informed an escrow account had been added to my existing mortgage during the modification so I already made my property tax payment in full. Now today, after 4 long calls with Flagstar, a modification department supervisor says it is a XXXX XXXXinvestor requirement that escrow accounts be on all modifications. Strange that today is the first and only time anyone at Flagstar has claimed this requirement or ever advised me of it. Now I am told Flagstar will analyze the escrow amount once a year and return any excess ... even though the amount they are holding is clearly well in excess of amounts needed for taxes and insurance.

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 2016-01-19
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterMarch XXXX ( I ) report the account as current.

Company response to consumer: Closed with explanation