BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Home Loan Modification due to inflation and the fact that I have not received a Cost of Living Adjustment. My Lender indicated that, " Your current monthly housing expense, which includes the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowner 's dues is less than or equal to 31 % of your gross monthly income which we verified as {$3700.00}. Your housing expense must be greater than 31 % of your gross income to be eligible for a Home Affordable Modification. If you believe this verified income is incorrect, please contact us. '' I contacted Specialized Loan Services and was told by a representative named XXXX that they are allowed to increase my Gross income by 25 % which I do not make. After taxes, and other deductions, My Social Security income is {$1400.00} and my retirement income is {$1500.00}. The total is {$2900.00}. My Gross income is no where near {$3700.00}.

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 2020-03-19
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I owed a balance from XXXX. This went to collections. It was to have come off my report in XX/XX/XXXX. Before that happened, it was bought by another company. Now it looks like it is a recent collection. Which it is not. Getting denied for a lot. Credit score looks worse than it should. How can they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Jim Bottin Enterprises, Inc
State: RI
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:
A company called ABC XXXX XXXX made two recurring charges to my XXXX Credit Card for {$20.00} on XX/XX/20 and XX/XX/20. The credit card company has determined I'm not responsible for these charges ; however, I continue to received automated calls from ABC financial, which identifies itself as their billing company. Their voicemails, received from XXXX, say there is an " extremely urgent '' problem with my billing and to contact them at XXXX. I have never had any affiliation with ABC XXXX XXXX. They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CITIBANK, N.A.
State: SC
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: ATG Credit, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATG credit is on my credit report but they wont verify the debt, they claimed to have sent me something in the mail verifying the debt not once but TWICE and I have yet to receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Western-Shamrock Corporation
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had applied to XXXX XXXX University as a XXXX. I was told that the unaccredited university was achieving accreditation within the next 3 months and guaranteed accreditation credits upon graduation. I contacted Wells Fargo for a private student loan in XXXX to obtain a XXXX XXXX XXXX. After receiving a verification of enrollment, I had personally sent emails and called XXXX XXXX University 3 days after acceptance stating that I did not wish to continue my education with this university and that any accrued expenses would be debited from my repayment at my expense. I was told that the money had been disposed by the lender and that I could not withdraw at that time and would have to contact the lender to refund tuition. I immediately contacted Wells Fargo student loan department and was told that the money was already disposed and I would have to contact the university to recover the monetary amount that was sent to XXXX XXXX University. I have been in this vicious cycle until today of an non- recovery of money for an education that I did not receive or participate in. The interest accrued on the account balance is still greater than the money borrowed for an education that I did not attend or graduate from. At no time was there any enrollment on my part or attendance for this XXXX XXXX XXXX. XXXX XXXX University was investigated by the FBI in which it had changed a school name to XXXX University. At no point was I able to recover any money or have any loans forgiven for not attending this university. 
I have achieved a XXXX and XXXX XXXX XXXX for an accredited university which I have made 100 % on time loan payments. My dispute is with a university that I had not attended. The student loans should have been recovered upon my withdraw of classes which I did not attend once and my admission of withdraw was giving within the statue of limitations. Neither Wells Fargo nor XXXX XXXX University ( at that time, closing in XXXX ) XXXX University ( closing in XXXX ) would accommodate my request to withdraw and have them money reimbursed to the lender.

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 2016-10-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
ON XXXX/XXXX/XXXX I PUT IN {$5000.00} TO XXXX XXXX BANK OF XXXX XXXX. IT WAS A CD WITH 9.5 % INTEREST PER YEAR. IT WAS CHECKED FOR AUTOMATIC RENEW ON THE MATURITY DATES. CERTIFICATE NUMBER XXXX. HOWEVER, XXXX BANK WAS ACQUIRED BY WELLS FARGO BANK ON XXXX/XXXX/XXXX. I ASKED WELLS FARGO BANK ABOUT MY CD ACCOUNT AND THEY CLAIM THEY HAVE NO RECORD OF MY ACCOUNT. WELLS FARGO BANK TOLD ME TO CONTACT COLORADO.GOVXXXX THEY SAID THEY DID NOT HAVE MY MONEY BUT FOR ME CONTACT FDIC THEY TOLD ME THAT WELLS FARGO IS NOT HAPPY TO SEARCH OLDER STORAGE. I WAS MY THOUGHT THAT MY {$5000.00} CD WAS MAKING A LOT OF MONEY DURING THESE YEARS. BUT I GOT NOTHING BUT A RUN AROUND FROM WELLS FARGO BANK. I NEED YOUR HELP TO GET MY MONEY.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In review of my Experian Credit file I noticed that the credit reporting agency is allowing the same account to be reported as two different account types and other inaccurate information.

The account XXXX is first reported as a closed-charged/off account with a " date-opened '' date of XX/XX/XXXX and now it's showing as an opened account effective XX/XX/XXXX. The account type is reporting as a " debt buyer '' when this is the original creditor. The amount is different but it's one in the same account. 

Is the open account a " Collection? '' How can the account type change from " Credit Card '' to " Debt-Buyer? '' The account XXXX XXXX XXXX has a " Account Type '' as Collection. This has been disputed that this was a " Paid '' account only and not a collection. This is continuing to be reported inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in reference to allegations put forth from XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. XXXX never sent notice that this was what was happening. 


5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Pinnacle Credit Services, LLC
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 is not mine

Complaint:
Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2016-04-22
Company: Check Security Associates, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
contacted someone listed as relative advised them to tell me to contact XXXX XXXX at XXXX extension XXXX or XXXX very important XXXX about garnishing wages

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Comerica
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 fund was taken from my account with Comerica Bank, direct express debit card account for the second time, it is now XX/XX/2016 and I am yet to have my account refunded, Bill are behind, I am a XXXX Veteran who depends on these funds for my livelihood, this bank do n't care about it 's customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
No one validate information with provided documents. I went to XXXX Federal Court and also written, they said it was computer error and provided me attached letter.

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 2021-03-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I currently hold the Chase XXXX Credit Card and I'm having difficulties in receiving the advertised benefits of the credit card. This issue specifically pertain to the XXXX rewards program that provide XXXX elite nights based on spending. The issue I'm having is that the rewards elite nights are not positing to my XXXX account, however the points and free certificates are posted a few days after the statement closes. Back in XX/XX/XXXX, I spent over {$15000.00}. This resulted in XXXX XXXX points posting to my XXXX account a few days after my statement closed. However, I did not receive the six free elite night credits that should have also posted. This is based on the advertised terms that for every {$5000.00} spent, I will receive two elite night credits. In XXXX XXXX, I contacted Chase customer service and explained the situation to them and they said that a Marketing team had to look into this as I should receive a response via mail within a couple weeks as there is not way to contact them directly. Back in XXXX, no response was received by mail. However, due to changes in circumstance I've started to put a lot more spend on my XXXX credit card to ensure I can attain my elite status for this year due to COVID. Again during the my recent statement closing, XX/XX/XXXX, I ran into the same issue where my XXXX points posted onto my XXXX account, while my XXXX elite credit nights did not. Once again, I contacted Chase customer service who said someone within the marketing team will take a look and will respond back to me. At this point, I am yet to receive a response and I'm tired of the back and fourth that I have had to go through to get something that is advertised under my credit card terms & conditions. I'm also having no luck in getting anyone to look into my issue, nor am I able to escalate this issue to anyone who can help as I keep being directed to the same response that someone from the Marketing team will need to look into. What makes this even more frustrating is that there is no way to contact the marketing team apart from the customer advisor sending an email to them. As such, the turnaround time to receive a response is unacceptable in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX I CAME IN TO THE DENTIST TO HAVE XXXX. 

I SPECIFIACLLY TOLD THE DENTIST TO XXXX ''! WE SCHEDULED APPOINTMENTS TO DO THIS BEFORE I TURNED XXXX WHEN XXXX XXXX XXXX CERTAIN PROCEDURES AND THE DENTIST MISSED XXXX. 

A WEEK LATER I NOTICED THERE WAS A SMALL XXXX IN THE BACK OF MY MOUTH AND IMMEDIATELY CALLED THE OFFICE BUT THEY DIDNT HAVE ANY OPENINGS UNTIL 1-2 WEEKS LATER. 

I CAME IN, HAD THE PROCEDURE, LEFT WITHOUT A HITCH. A YR LATER I GET A LETTER FROM CAPITAL ACCOUNTS COLLECTION AGENCY WITH A 30 DAY RESPONSE REQUESTED. 

I SEND THE LETTER EARLY XXXX XXXX BY USPS DISPUTING THE ALLEGED BALANCE ALONG WITH THE REASON WHY ONLY TO FIND OUT MONTHS EARLIER IN XXXX XXXX IT WAS ALREADY POSTED TO MY ACCOUNT. 

I TRIED GOING STRAIGHT TO THE DENTIST 'S OFFICE AND THE STAFF ALL SAY I HAVE TO WAIT FOR XXXX XXXX SINCE SHE 'S THE OWNER [ ALSO THE PERFORMING DENTIST ] BUT SHE 'S NOT RESPONDED, RETURNED MY CALLS OR GAVE INSTRUCTION TO STAFF AS HOW TO PROCEED WITH THIS ISSUE FOR REMOVAL FROM MY CREDIT REPORT. 

I SPOKE WITH THE COLLECTION AGENCY AND THEY CAN ONLY VERIFY MY IDENTIFICATION ALONG WITH EXTREMELY SOFT INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER AND THE LIKES BUT CAN NOT VERIFY THE DEBT IS MINE AND ARE TELLING ME THERE IS NOTHING THEY CAN DO. 

THE GUYS THERE SAID THEY CANT DO ANYTHING BUT COLLECT WHEN I KNOW THAT TO BE A LIE. HOW DID THEY GET THIS COLLECTION ACCOUNT IN THE FIRST PLACE? BY SPEAKING WITH THEM. HE WAS TELLING ME ANYTHING THINKING I DIDNT KNOW ANYTHING BUT TO JUST SUFFER AND PAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Covid 19 hit in XX/XX/XXXX forced me to buy things i dont normally buy or stock up, uaed Sears citi to payoff other cards due to their 0 % interest but covid 19, home damage thats costing me ect so on when thte XXXX hits ill not be able to make it tried to get them to lower their interest to 8 % for 7 years so i could pay it off THEY STRICTLY said cant do it and referred me to credit coulseling and when i applied for bankrupcy let them no. I tried to do right in heading this off before it ever got to a point i dont want to do but after 2 times trying they said no. As i can see it they think that as long as i can make the payments at 25.24 % they will leave it alone I think this is wrong when other credit cards understood and helped. Sears Citi Mastercard since XXXX .... will not help you..Hopeing you can

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 2021-01-14
Company: BANKERS HEALTHCARE GROUP LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX I received a letter from Bankers Healthcare Group XXXX regarding a potential loan offer, I inquired what the interest rates were and they would not tell me. I told them I wasn't interested in applying for a loan if I didn't know what the interest rate ranges were. 

On XX/XX/XXXX, I received a letter saying my application was denied and they pulled my credit report with the reason being an incomplete application. I never submitted an application, and never authorized them to pull my credit report without telling me what the potential rates could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding collections are reporting an old outdated debt on my credit. They re-aged the account and money that I do not owe. They put on my credit report that the creditor is XXXX XXXX  but it doesn't state what card. XXXX XXXX just approved me for two cards. I requested validation of the account and Midland won't send me anything. I requested validation many times but they just ignore me and continue to report it on my credit

Company response to consumer: Closed with explanation