BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: Comerica
State: ID
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I receive my social security XXXX on a master card from direct express. Which is an approved method from social security. On XXXX XXXX 2015 my account was wiped out. somehow, someone in California accessed my account and charged {$1500.00}. I discovered this on XXXX XXXX 2015 When I went to make a purchase at XXXX XXXX in my hometown of XXXX XXXX. I immediately called direct express & I was informed of these charges. I was told there was some type of a hold on the money & after XXXX XXXX I could get my money back.Nothing further needed to be done on my part. I requested a new card, which shut me out of the online service to see the charges. My new card came in the mail on XXXX XXXX. I got online to see that charges were still there. So i called direct express again & i was transferred to the fraud department. I was informed that I had not spoken to their dept. i was told they would mail me some forms to fill out. I went ahead & sent my own statement, contesting the charges as fruad. I received their forms on XXXX XXXX. Subsequent calls to direct express have not be addressed. I called Comerica bank which in on the card. I was told they only make the plastic. Direct Express has informed me that it takes up to XXXX days after receiving my dispute of the charges to give me a provisional amount. If approved., and the investigation could take XXXX days. And that if i was n't approved for a provisional amount it would take XXXX days to return my money. I can not pay my bills because of this fraud committed against me. Direct express has given me a run around and is not specific about my money being returned. I have filed a police report with the XXXX Police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I asked for ninety day extension they gave me thirty days which only turned out to be two or three weeks. Then they charged me again and started to call me two to three times a day I have been out of work for two months or more now their calling my mother 's number and other numbers I'm not associated with I have a XXXX XXXX and I can't take this XXXX with them no more I know I'm backed up on the bill but this is ridiculous and I never gave them other numbers I'm angry and hurt by them they are Ally auto financial

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 2020-06-17
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the XXXX XXXX With XXXX XXXX checking account on XX/XX/XXXX. There was a promotion for a {$300.00} sign up bonus if depositing a direct deposit totaling {$5000.00} in to the account within 60 days. I made a {$5000.00} direct deposit on XX/XX/XXXX. I am self-employed and initiated my paycheck payment through XXXX to PNC. My statement clearly shows this being Direct Deposit - XXXX Transfer. 90 days passed and no bonus was posted to the account. I initiated a case with PNC XXXX support who opened the case for me and a PNC Retail Support Case Manager reached out to me. We spoke and she said my deposit did not count as a direct deposit even though it specifically says that it is a direct deposit. 

Per PNC terms on the signup page : " A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a XXXX XXXX with XXXX XXXX, XXXX XXXX  with XXXX XXXX or XXXX XXXX. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for XXXX XXXX with XXXX XXXX. '' While this says " recurring '', there is a graphic on the sign up page that says " Establish total qualifying direct deposit ( s ) of {$5000.00} or more to the new account. '' Note the ( s ) meaning one direct deposit should suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had fallen behind on my mortgage payments in order to help my mortgage payments in order to help my brother whom had no insurance and XXXX XXXX. My mortgage company reached out to me and said I could sit for a " loan modification program '' theybsentbme paper we Ork I filled it out but it was never good enough for them. They would wait then ad firvan updated paystub or bank statemebt. This went on and on and on. They refused to accept anypayment during this process. I applied for bancrupcy in order to save my home. In the meantime my mortgage company sent me a " XXXX '' XXXX of them actually.my attorney did not wish to address this so I found an attorney whom knew about this. It is an unusual thing to receive but basically gives me my property. Back to court after paying a hefty attorney bill. Now, my bancrupcy payments are more then I earn. They want to add anothervXXXX a month in addition to the {$3700.00} I'm currently struggling to pay. I'm.in the second I try third year of this and feel like I've invested so much I can't just give up on my home. I've lived there XXXX years and according to my attorney PHH MORTGAGE Wull not work with me in order to re-finance. If they would that we ould be great and I could afford to keep my home a d avoid being homeless. I think that was a scamsunce they let it continue so long, never gave me an answer as to refinance or not plus refused to accept any payments all that time until.XXXXvday they decided I owe the entire balance at XXXX time. I feel.like this was a scam and have been severlybtaj err n advantage of. I want them to refine my loan. Approx XXXX years prior I had refinanced from.a XXXX year to a XXXX year loan and chose not to take any money back from them. Now they have me in a place that I can't even make my payment as I don't even make enough to cover that XXXX bill letbalong feed myself or have had to get to work. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Portland Credit Inc
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a VM from XXXX stating they were trying to get hold of me for a debt and will settle for 50 % off if I call right now to a different number XXXX. I did and a rude woman told me she was with XXXX XXXX and was calling on behalf of XXXX XXXX for a debt. I once had a debt with this bank 12YEARS ago and the statute of limitations has surely expired by now. I tried to work with XXXX all those years ago and they would not, so I gave up. Now 12 years later I get constant phone calls from this XXXX never from the same blocked number. Always from a bogus number my phone does not recognize as blocked. I have told them to stop calling me on a statute of limitations expired debt, but they keep calling me. I have had to change my numbers numerous times now because they just continue to call. It is to the point of total harassment by them XXXX and XXXX XXXX  and it needs to STOP. I have contacted you before about this same company!!! Also I never confirmed who I was to this woman I called at the XXXX number, but she gave out information anyway not knowing I was whom they were even looking for. She only knew who I was by her caller ID showing my number they keep harassing me on.I heard I can start charging this company money and wish to do so If I can.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-16
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX i was struggling with XXXX and I missed a payment of the amount of {$1800.00}. I called Planet Home Lending to let them know of the situation. I was scheduled to pay it off in XXXX. I paid off my mortgage for both XXXX and XXXX in XXXX. I have never missed a payment since closing on the home in XXXX of XXXX. I would like to dispute this as this has caused a negative impact on my credit when something shouldve been done. I have tried calling Planet Home Lending to see if anything could be done and they said that there was nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.

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 2020-05-26
Company: Monterey Financial Services LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monterey collection services continues and refuses to admit the fraud They are committing as well as the violation of the fair credit reporting act and the fair debt collecting practices, when I summited a complaint about fraud and violations for not sending me a 30 day notice they know it a violation and all debt collectors lie about sending them, I have now have multiple items of evidence of fraud on there part now, 1. They are trying to state that the email address they say is on file for me is mine, thats a huge wrong the email address they state is mine has never been associated with me ever, 2. Proof of them deleting my original account off of my credit report when payments had been made to original creditor that were magically deleted and reset as well as improper balance and extra charges than what my account balance was at before they deleted it, proof is fraud they deleted the original account and reset the balance and raised it= theft were did the money they received go? Answer THEFT TAKE MONET APPLY TO BALANCE THAN RESET ACCOUNT WITH FRAUDULENT INFORMATION AND THEFT OF TAKING MONEY AND NOT SHOWING IT PROPERLY ADDING EXTRA CHARGES AND HAVING ORIGINAL BALANCE RAISED AS WELL AS DENYING THEY NEVER SENT ME A 30 DAY NOTICE AND ADMITTEDLY DENYING THEY NEVER DID WHEN I QUESTIONED IT, DELETING THE ORIGINAL ACCOUNT NOT CHARGING OFF TO DELETE XXXX REPORT FALSE DATES, 3. PUTTING STATMENTS ON MY CREDIT REPORT STATING I SAID IT WAS ACCURATE WHEN I NEVER SAID XXXX, 4. TRYING TO STATE THAT THERE XXXX MEETS THE FCRA REQUIRED REPORTING, IF IT MEETS THE REQUIREMENTS OF NOT VIOLATING THE FAIR CREDIT REPORTING ACT EXPLAIN HOW DELETING THE ORIGINAL ACCOUNT AND KEEPING THE MONEY I MADE PAYMENTS ON WAS MAGICALLY DELETED AND NOT REPORTED ANYMORE AND DATES WERE DELETED TO COVER IT UP AS WELL AS THAT IS THEFT TAKING MONEY AND DELETING THE ORIGINAL ACCOUNT AND REMOVING THE PAYMENTS THAT WERE MADE YET YOU KEPT THAT MONEY VIOLATING THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTING PRACTICES BY PUTTING THE ACCOUNT BACK UP WITH NO PROPER NOTICE AND LISTING EMAIL ADDRESS AS MINE I HAVE NEVER HEARD OF, NOT SURE WHAT XXXX GAME YOUR PLAYING, BUT THANKS TO BEING OUT OF WORK CAUSE OF COVID-19 GAVE ME LOTS OF TIME TO RESEARCH AND FIND MY EVIDENCE AGAINST YOU, YOU BASICALLY SAID ON MY LAST COMPLAINT I HAVE NOTHING TO SUE FOR, WELL THINK AGAIN NOE THAT I FOUND ALL MY ORIGINAL PAPERWORK AS WELL AS PROOF OF FRAUD AND THEFT BY DELETING MY ORIGINAL ACCOUNT AS WELL AS PAYMENTS MADE AND NOT REPORTING THOSE PAYMENTS ANYMORE YET KEEPING THE MONEY= THEFT!! ONLY UPLOADING A FEW PHOTO DOCUMENTS HAVE LOTS MORE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Transfinancial Companies, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX my rights to privacy have been violated. By illegally publishing Bankruptcy case # XXXX with out my consent. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 non-monetary relief
Consumer complaint received 2015-06-03
Company: Advanced Collection Bureau, Inc.
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 was discharged in bankruptcy

Complaint:
An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Contacting me at my place of work on company phone line. After I had told them this is my work place phone. Stating that they will report it to the credit bureau. For a debt that I feel is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXX XXXX  Account XXXX have violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2016-07-13
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company PREFERRED COLLECTION & MANAGEMENT SERVICES, has continued to reinsert previously removed non-factual debts. At this time, this company has reinserted the same debt multiple times causing ongoing credit detriment. PREFERRED COLLECTION & MANAGEMENT SERVICES should immediately remove this debt and cease and desist from any and all further collections effort in whole or in part. PREFERRED COLLECTION & MANAGEMENT SERVICES is further advised that pursuance of this matter may be subject to litigation and subject to any and all remedies deemed reasonable by local jurisdiction.

Company response to consumer: Closed with non-monetary relief