BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-22
Company: ERC
State: TX
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:
I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-05-12
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Allied Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Williams & Fudge, Inc
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: ERC
State: FL
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:
I recently reviewed my Credit Report and observed a collection account was documented on my credit report by Enhanced Recovery Company. I sent Enhanced Recovery Company ( ERC ) a letter requesting a Validation of Debt. They never responded. I called ERC on or about XXXX/XXXX/2016. I spoke to a female representative which was very rude and unprofessional. She did not want to help me and I told her I never want ERC to contact me via by phone or by any other means. Yesterday I received a call from a female Representative from ERC which was also rude and unprofessional. Like the previous Representative she did not want to help to resolve the matter. I have PREVIOUSLY Filed XXXX complaints with CFPB regarding XXXX other Debt Collection Agencies trying to collect the same alleged debt that is not mine ( XXXX ). Each collection Agency claimed that I had an outstanding balance to XXXX and each Agency had a different amount owed. I do n't have XXXX I have a different provider for my cell phone service. The Fair Credit Reporting Act requires ERC to notify me regarding this alleged Debt and they never did. Any claim by ERC that they did previously notify me is without merit. My previous 3 complaints with CFPB case # ( XXXX ) XXXX and # ( XXXX ) XXXX and # ( XXXX ) & XXXX confirmed that this debt is not mine in their response to CFPB. This arbitrary action by ERC is unlawful & unethical causing a defamation of my character and damaging my credit worthiness and credit score. It is obvious that these XXXX Debt Collection Agencies mentioned in this complaint play games and pass the alleged debts to one another in attempt to collect money that is not owed by using scare tactics.

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 2021-04-02
Company: EQUIFAX, 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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: MB FINANCIAL, INC.
State: MO
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I added a new employer as a direct depositor to my XXXX Card by XXXX which is issued by MB Financial Bank , N.A . The day my direct deposit for {$1500.00} should have been posted, nothing posted to my XXXX card. I discovered I skipped a digit in the account number and submitted an incorrect account number to my employer. I contacted XXXX XXXX, XXXX and MB Financial. None of the XXXX organizations would provide information on my payroll check funds nor would they provide information on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Almost 4 years ago, Bank of America started foreclosure actions against my family after we fell behind on our mortgage. They demanded a reinstatement amount that was more than three times the actual past due payments. When we questioned them on this, they simply insisted on receiving the amount they demanded and initiated foreclosure. 

We applied three times for loan modification with BOA before we got a trial modification. Each time they denied receiving the application. We successfully completed the trial period but BOA never stopped the foreclosure process in court. 

Three months after we completed the trial modification process, we got a permanent modification package. When we scrutinized the small print in the new loan documents, we discovered that Bank of America had actually increased our monthly payment by over {$60.00} even though their trial modification documents had clearly and specifically stated that our payment would not exceed a certain amount if we successfully completed the trial modification process. 

In fact, the amount by which our monthly mortgage statement could go up was specifically stated in the trial modification documents! All through this period, we were making our monthly payments. However, when we questioned the discrepancy between the trial and permanent loan modification documents, Bank of America stopped accepting our mortgage payments and foreclosed on our home. 

Then, without informing us, they transferred our file to XXXX XXXX XXXX, and XXXX XXXX, sold our home at auction and submitted false $ numbers to the court as the amount they spent in selling our home! Never mind the fact they were the only bidder, or that they bid an amount higher than the actual balance due. Today, we are told that XXXX XXXX, is actually working for XXXX. 

Recently, we found out that the mortgage modification Bank of America gave us was actually not XXXX under the XXXX XXXX federal government mandated program under which we had actually applied. With the " generic '' modification Bank of America gave us, we lost some rights and protection to which we would have been entitled under XXXX. 

Our mortgage account # is : XXXX and our case file # is : XXXX ( XXXX XXXX, Illinois ). We are legally fighting XXXX XXXX, XXXX and Bank of America. We have limited financial resources to continue fighting these big companies for our home. We should not be made homeless because Bank of America is deceitful and corrupt. 

This is part of the reason why there is so much public discontent and lack of trust for these big fraudulent banks and our elected officials.

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 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've filed XXXX previous complainsts againt bank of America in the past 30 days. bank of America has just placed a negative rating on my credit file. bank of America NEVER sent a change of my mortgage payment to me. Instead bank of America kept sending me letter that the mortgage was late. I called bank of America and spike to XXXX in which he verified they received my payment of {$800.00}. XXXX NEVER discussed anything with me further. 
After I received a certified letter from bank of America I called them again. I was then told there was a change in my mortgage payment. I told the rep why was n't I told when I called previously. She had no answer. I also told the rep instead of the bank sending my a certified letter stating my mortgage was delinquent, why did n't someone call me to let me know my mortgage payment changed and they needed more money!. Bank of America KEPT my mortgage payment that was made of {$800.00} and NEVER applied it. This is very poor business and there mistake is showing negative on my credit!!!!!

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 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I filed a credit card dispute with Bank of America against a vendor XXXX. Originally Bank of America issued a credit but 60 days later they reversed that ruling. This is after I received an " interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Threatening lawsuits, aggressively threatening me of imprisonments or wage garnishment. If I dont pay they will take everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.

Company response to consumer: Closed with explanation