BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you

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 2017-01-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have received several calls from this company on my cell phone and XXXX other lines on my cell phone account claiming to be an attorney 's office and have also received the following email in my spam folder : NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN : XXXX ROUTING NUMBER : -XXXX DL-XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : {$430.00} Defendant XXXX We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court . Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, Law & Investigation Department ACS CASH SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged.  When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms.  I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015.  However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me  $XXXX.  I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall.  Now they threatening to start foreclosure against me  and to report me to the credit reporting agencies while I am current in my payments.  I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore.  Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.

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 2016-08-31
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regarding a Closed US Bank Checking. 
I am filling a complaint against US Bank. 
This is an in response to US Bank placing what they think is amount owed on an overdrawn checking account in Collections with XXXX XXXX XXXX. The current amount placed in collections is {$700.00}. 
The majority if not all of the what US Bank claims is the overdraft amount was caused by OVERDRAFT FEES. What has happened is that on one day the US Bank online site that I can access shows that I have a positive balance with my direct deposit being credited to my account that day. Then I would pay bills and get cash at an ATM. One time I Withdrew Cash from an US Bank location in XXXX, WI. I was given the cash by the drive thru teller. This was a Saturday and then on Monday the deposit date changed to that Monday and I was charged an Over Draft Fee of {$36.00} for that. This scenario has happened numerous times. The Bank Manager ( XXXX XXXX ) at the US Bank XXXX office stated that the teller should not have given me the cash. I am fairly certain that the teller also had seen that my account had a deposit that was credited to my account and then gave me the cash withdrawal. 
I am including a Screen Shot of what I saw on the Saturday morning on US Bank 's online site. 
I am also including the same Screen Shot with notes on it in red that shows the overdraft fees that were charged while my account was positive. This is the only screen shot I have but this scenario has happened multiple times which is the reason my account became negative {$700.00}. In fact fees were charged twice on checks that were returned NSF and then re-submitted. 
If that money is not available it should not say that it is available. Why should I be charged these fees due to US Bank 's faulty website? 
I am demanding that the {$700.00} that was placed in collections be zeroed out and be removed from collections. If anything US Bank owes me money for the fees that vendors charged my on returned checks that should not have been returned.

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 2017-03-28
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A guy I was dating XXXX XXXX stoled my identity somehow and got this card in my name before we were married on XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to US Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.

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 2015-09-02
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I placed a stop payment on a company called XXXX, This took effect on XX/XX/2015.The bank confirmed the stop pay, yet I had charges occur from the XXXX company numerous times after the stop payment took effect. I called the bank and they only credited my account for the stop pay fee of XXXX. But still charged me fees in the amount of XXXX. Because I was negative, this caused a check for XXXX to bounce and they processed it three times charging me XXXX. They would n't credit my account for the mistakes they had did. ( US Bank )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill was not paid by my father. It went under my name and into collections for me. It was paid in 2015 by myself and it still has not fallen off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Financial Asset Management, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt. 
Bankruptcy was filed in XXXX, discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Focus Holding Company
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:
I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ORG GC GP Buyer, LLC
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 was paid

Complaint:
Upon moving from XXXX location to another XXXX did not forward a final invoice for {$82.00} dollars. This has been paid but was late to XXXX due to their failure to invoice. G C SERVICES a collection agency has claimed the recover of the debt even though it was paid directly to XXXX. They have since put XXXX collection notices on my credit report and went as far as listing that I had an open account directly with them on my credit report. They do not respond to phone calls to their offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.

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 2017-08-15
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: Their investigation did not fix an error on your report

Complaint:
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

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 2017-03-14
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My attorney sent the following letter to XXXX XX/XX/XXXX requesting a response with evidence the car was in fact damaged, which it was not. Nothing has been sent back. So now its XX/XX/XXXX and XXXX has sent me to collections with a company called Viking. There are many complaints on the CFPB site for both of these companies, and I want the harassment to stop. I never damaged the vehicle, there is not proof, I turned it in without any issues and I inspected it with the XXXX employee. Here is the letter sent back in XX/XX/XXXX : Re : False Accident Claim by XXXX ; rental agreement # XXXX XX/XX/XXXX To Whom It May Concern ; I received a claim from your companies on XX/XX/XXXX, dated XX/XX/XXXX, in reference to a car returned at the XXXX, TN airport XX/XX/XXXX at XXXX. 
The claim states there was an accident, collision, to the vehicle, and that I am to pay {$1300.00} for said damages. This is impossible as I never crashed the vehicle, I returned the vehicle to 2 gentlemen who were working at the drop off location, we walked the vehicle, and there was NO DAMAGE. No one called us to tell us there was damage after the fact. No one sent me a report for the damage, and I have not seen or been sent any pictures of the damage. Yet I receive a letter an entire month after asking for a payment to damage that was never done by me during my time with the vehicle. So the vehicle was repaired before even reaching me to discuss or show that there was damage to the vehicle. 
Further I called XXXX, XXXX, at XXXX, 3 business days in a row ; 1 ) XX/XX/XXXX left message 2 ) XX/XX/XXXX did not leave message 3 ) XX/XX/XXXX left message No return phone calls were made, and all 3 calls were made from my cell phone, which has a record of these calls. 
This is a completely false claim or gross error on your part, and I would like a letter sent back as the effect. I will seek legal action if either XXXX or XXXX decide to further proceed with the false accusations about me having and accident in the rental car. As I stated above, I dropped it off and there were 2 attendants laughing and talking. One came and walked the car with me, and I gave him the keys and went on our way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. 

This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. 

We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.

Company response to consumer: Closed with explanation