BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: Delray Capital, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They called about an year ago leaving a voicemail threatening that i would go to jail if i did n't make a payment to them that day. They left the same voicemail on my parents and siblings phones. in fear of there threat i began paying them the claimed i owed XXXX on a payday loan. since then they have taken over XXXX from my account and have n't returned any of my phone calls. Finding this very suspicious far too late in the game i did research on them to find out that the XXXX has an alert on them and multiple fraud complaints. I thought i was paying off a debt but now feel i have flushed XXXX down the toilet please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I am a customer of the prepaid visa rush card. I believe this was fraud. I have been locked out of my account for over two weeks, I have not had acces to my funds and I have bills to pay as well as a child to feed. Whenever I contact customer service I can not get through and when I do the rep hangs up on me. My balance for my card is very inaccurate. I had a balance of XXXX $ which is for my car payment and now the money is gone. I have no idea where it is and I can not access my money at an atm. If I could please get some help before I am without lights and a car I would really appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-26
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.

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 2020-12-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX data breach and my information couldve gotten in the hands of anybody.

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 2015-09-25
Company: Financial Credit Service, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was XXXX XXXX scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm Kramer & Frank from a XXXX XXXX XXXX saying my wages will be garnished for this debt from XXXX XXXX. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: FMA Alliance, Ltd.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company keeps hounding me for info about my son. He is XXXX yr. old and has been gone from home over XXXX yr. He lives more than XXXX miles from me. I am not giving info about him to some rude dude over the phone. Told them SEVERAL times, I am on the DO NOT CALL registry. Please help The callers are from FM Alliance.out of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Trident Asset Management, L.L.C.
State: VA
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:
XXXX XXXX XXXX XXXX was paid a year ago to another agency for XXXX XXXX. Amount : {$100.00} Collection agency is : Trident Asset Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

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 2016-01-12
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
XXXX sent a letter to Experian and XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XXXX I Debt Validation Letter was sent to XXXX XXXX XXXX. I have never received a response to this request. XXXX Validation of Debt was sent to Experian and XXXX XXXX for XXXX XXXX. XXXX Second Validation of Debt was sent to Experian and XXXX XXXX for XXXX XXXX XXXX XXXX I sent a letter to Experian and XXXX XXXX stating some factual disputes and also that XXXX XXXX XXXX had not responded to my Validation request. XXXX I filed a CFPB Complaint XXXX which included XXXX XXXX and Experian not reporting correctly according to the CFPB. XXXX I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from XXXX XXXX. I have proof this was mailed out. I also sent on XXXX letter to Experian Stating that a Debt Verification Letter had been sent to Credit Acceptance with all this information in it. XXXX sent letter to XXXX XXXX stating factual inaccuracies. I received notice on XXXX from Experian that XXXX XXXX Certified that the information was accurate. Also in that same report I saw where XXXX XXXX was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. XXXX XXXX XXXX did not notify Experian of XXXX XXXX I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also Experian was told by me in the last letter that I had contacted XXXX XXXX XXXX asking for Validation again and Experian still allowed XXXX XXXX XXXX to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.

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 2020-12-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2015-08-17
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage sent {$1500.00} to an insurance company in XX/XX/XXXX and then sent another payment to another insurance company in XX/XX/XXXX fro {$1300.00} and then another payment in XX/XX/XXXX for {$1400.00}. 

Some one was XXXX paid and they ca n't / wo n't tell me how to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I received a check in the amount of ) XXXX. XXXX from Citibank. The letter that they attached to my last complaint said that I had money owed in accounts that were overdrawn. I filed bankruptcy on XX/XX/XXXX XXXX2020 from which I included all accounts and Citibank was notified. Citibank was also included in the bankruptcy meeting in which they failed to come. Now they want to claim I owe them money. I will attach my bankruptcy petition and discharge. My bankruptcy was discharged on XXXX/XXXX/2020. Citibank never said that I owed them any money. I have emails from them stating those accounts were at a XXXX balance. Please return my funds because this is fraud

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 2016-07-06
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
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 I mailed letters to XXXX, Experian and XXXX  disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}

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 explanation
Consumer complaint received 2016-12-14
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Unauthorized Inquires on trans union credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-29
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.

Company response to consumer: Closed with explanation