BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex-mother-in-law ( now deceased several years ) had her identity stolen a decade ago and had a number of debts run up on her credit. These bottom-feeding debt collection agencies buy the debt for pennies on the dollar and then harass anyone remotely connected with the " debtor. '' My Ex-MIL never lived here. My phone was never connected with the debt -- in fact my Ex-MIL never even knew this number. Another bottom feeder ( XXXX Bank ) found that this number is associated with a house that my Ex-MIL used to own ( I bought it from them fifteen years ago ) and began to call trying to contact my deceased Ex-MIL here. 

After a year of complaints to the FTC and you folks, they finally were forced to stop harassing me. 

They stopped and then ( I imagine ) sold my number ( and presumably the " debt '' ) to Portfolio Recover Associates in XXXX, AL who have now continued the harassment. 

A juicy fine would shock their tentacles back. How about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check. 
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check. 

I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system. 
XXXX refused to remove my information. 
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal. 
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that. 

I would respectfully request that ALL my personal information be purged from their system. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: First National Collection Bureau, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. 
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. 
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After filing for a Chapter XXXX bankruptcy pro se on XX/XX/XXXX, I consulted with a bankruptcy attorney, XXXX XXXX of XXXX, NH, to help me. I was advised it would not be in my best interest to proceed with the bankruptcy, and I should immediately file a motion to dismiss the petition. On XX/XX/XXXX, Attorney XXXX filed a Motion to Dismiss, and Chief Bankruptcy Judge XXXX XXXX XXXX granted the Motion on the same day. During this time, I continued to pay my monthly bill to Synchrony Bank/XXXX 's from my own personal checking account. Needless to say, the various credit bureaus began reporting the bankruptcy petition and I soon noticed the information being posted from Synchrony Bank/XXXX 's was incorrect. After repeated attempts to show I am not in bankruptcy and that all scheduled monthly payments to them were being made, Synchrony Bank has made little or no effort to send the correct information to the credit bureaus. Now it appears my account may have been sent to collection.

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 2018-05-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX   XXXX, XXXX  XXXX.

In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.

I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).

I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.

For about three weeks I tried to find out if I can use the card without success.

Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.

On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX  ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.

This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.

Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.

Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.

These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.

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 2015-03-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I voluntarily surrendered a car that I bought in XXXX. GM Financial Closed the acct as derogatory- charge off .... " No payment history reported to creditor '', closed date of XXXX/XXXX/XXXX. They are still reporting monthly with a last payment date of XXXX/XXXX/XXXX, past due bal of {$16000.00} .... I filed a dispute with XXXX asking them to investigate as the statue of limitations for TX is 4 years, and if the acct has been listed as closed-charge off since XXXX/XXXX/XXXX there should not be any last payments nor missed payment reported. The dispute was completed on XXXX/XXXX/XXXX, and GM added new information to the acct. They have now changed the status to open-derogatory, deleted the closed date, date of last payment has now been changed to XXXX/XXXX/XXXX, past due amount still shows {$16000.00}. No matter what date you change the last payment date to, looks like they tried to change so it would now be before the charge off, it is still past the four year SOL law for TX. They are filing inaccurate data on my report and have refused to delete it. A creditor can not just change the data on ones report to try to make it " look right ''. A 's far as the new status goes, GM Financial is the original ceditor, and no where on the older reports does it indicate that the acct was closed due to being sold to a XXXX XXXX. By placing the status back to " open '' they are trying to REAGE my acct. This is ILLEGAL. I demand this be removed from my report and they be investigated, for illegal credit reporting and retaliation for a dispute being filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon! I am writing today regarding Citizen 's Bank. I had a personal student loan that I took out sometime prior to XX/XX/XXXX. In XX/XX/XXXX, my husband and I fell on hard times and filed bankruptcy. After the discharge, all of my student loans contacted me and made arrangements for payment. I have been paying on these student loans faithfully for over 6 years. I had many loans, and I lost track of which investors were to be paid. The only company that never contacted me, ever, was Citizen 's Bank. I was not even aware that I owed them any money. In the past 6 years, not once did I receive a notice of payment in the mail, in an Email, or a phone call. I have had a personal account with them for many many years. Last Friday, XX/XX/XXXX, Citizen 's Bank went and took every penny that I had in my account. I am now in the rears with them due to bill paying online, and have several checks that are going to bounce. I understand that they have a right to do this and what occurred was completely legal. I first thought it was a fraudulent removal by someone who may have copied my debit card. When I called the bank, I was informed that the money was taken to partially cover a prior debt with them from years ago. I explained that I have checks out in the mail to pay my utilities and other such bills. I also explained that I have no money left to feed my daughters. I informed them that I was never notified of the debt, or I would have made arrangements. I also informed them that if they placed some of the money back in the account, I was 100 % willing to cooperate and start a payment plan as I have with all of my other student debt. They were unwilling to assist. At this point, I am not sure how I am going to afford gas for my drive to work. They disregarded anything I said and were not helpful at all. Like I said above, I understand that they had a right to do this, but to be so unwilling to work with someone, and to have not provided at least some form of contact for payment in the last six years is in my mind immoral, unethical, and cruel. I don't know if you can be of any assistance or not, but they really put me and my family in a terrible position and I am not sure what I am going to do. We live paycheck to paycheck, and my husband is on unemployment at this time. Taking {$1700.00} is enough to put us in a predicament that we may not be able to dig out of. Thank you so much for taking the time to hear my voice. I appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: High Point Asset Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving phone calls from a XXXX XXXX from High Point Asset. He claims he is a debt collection agency for a payday loan the went partially unpaid in 2010. He was unable to give me any additional information on the debt. He was n't even able to tell me who I owed the debt to, but insisted I pay him over the phone to avoid legal action. I told him I did not believe I owed any thing and would look for the missed payment in my bank records as payday loans are withdrawn electroniclly.He Said even if my bank records showed I paid the loan that was not enough proof. I also told him I needed paper work mailed to me proving that I owed the money. He stated he did n't have anything like that and the burden of proof was on me. He did email me a document ( he refused to mail anything ) that said I owed High Point Asset money but had no information about where the debt originated from. I feel very strongly that this is a scam and expressed this to XXXX XXXX. He continues to call myself, my husband and my parents ( I have not lived with my parents for more than 10 years and do n't know how he got their number ). I contacted the payday loan company that I had a loan with in 2010 and they said my debt was paid in full with no problems and cautioned me against giving High Point Asset any personal information. The phone number I am receiving phone calls from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.

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