BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. 
XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CASH AMERICA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.

Company response to consumer: Closed
Consumer complaint received 2016-07-22
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
1. Did not receive notice of the sale of loan to XXXX, from XXXX XXXX. 
2. Original Loan agreement did not stay in tacked when my loan was sold to XXXX. 
3. My loan changed to also include tax and insurance, which was not part of my original loan agreement. 
4. Incurred late fees due to the above 3 issues. 
5. XXXX sold my loan to Seneca. 
6. Paid to the incurred late fees, because I was unable to get them to honor my original loan. 
7. They said my loan was modified by XXXX XXXX, which I did not. 
8. Could not get the modified documents from XXXX. 
9. Even though I paid the incurred late fees, I 'm being bill a Corporate Advance Balance Fee, which never gets paid down. 
10. Seneca has of today has not given me itemized detail of the Corporate Advance Balance Fees. 
11. Because of the above I can not get my loan refinanced. 
12 Each time have called they say they will research and get back to me or send me the information, but I do not get a call back or the information I requested. And the info they do send does not make sense. 
I have been unable to attain or find a lawyer that understands this situation or even knows what the Corporate Advance Balance, response have heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. 

On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. 

The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by XXXX.

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 2016-08-27
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. 
First they told me there was nothing they could do. Sorry ... .... 
Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. 
Because of their removing money, I bounced my car insurance check. Awesome!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: ERC
State: TX
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:
I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an account with Citizens Bank. I received a service fee charge on XXXX/XXXX/16. I submitted an email to Citizens to see why I was charged a fee of XXXX and to find out why I was never notified by email or mail why I was charged this fee.I never received a response back as to what the fee was except that if I wish to close out the account I must submit a request. Today I received a notice in the mail stating I still have not satisfied the fee charge which caused my account to go negative. I decided let me check my account to see if I received a response, to no surprise no email and another service charge for XXXX. My account is now negative XXXX due to service fees that I have not been legally notified about nor have any knowledge what they are for. Below I pasted what shows on my account. 
XXXX/XXXX/16 Service Charge - {$9.00} - {$13.00} XXXX/XXXX/16 Service Charge - {$9.00} - {$3.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: ERC
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:
On XXXX XXXX, I received a 'Collection Notice ' letter in the mailbox, dated XXXX XXXX, 2016, from ERC , of XXXX Florida . The Creditor is XXXX XXXX XXXX XXXX. The claimed debt amount is {$700.00}. I tried but failed to find an appropriate option for cases of fraud in the phone tree within the customer service number at XXXX ( XXXX current parent company ). I am not and never was a XXXX or XXXX customer, and unless you are, there is no way to get to a real representative. Since I have only recently been hearing about ERC, I do not feel comfortable yet contacting them directly.

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 2017-02-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dont know what happen and what this is but forsure this is not something i did at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-20
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars

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 2016-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card information was compromised and my card was cancelled. I went into my card 's site and there was nothing to indicate that. I called and was told what had happened. My complaint is twofold : 1. there should be a special statement used when your card is declined so it is clear that it is not your fault. It was embarrassing and not the way to treat a customer who pays in full and on time every month. 2. My credit card company will not or can not tell me the name of the retailer. I feel that I am more than entitled to know what company failed to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I sign up for the coinbase platform in XX/XX/XXXX since then Ihave benn investing every month, hanving returns.on XX/XX/XXXX Idecided to get some of the profitability out of my personal account and leave XXXX euros in my Coinbase portofolio.the next day Coinbase restrited my account ( supposedly because of problems they tell me ) on XX/XX/XXXX he entered Coinbase and all my chrytomocurrencies have disappeared for approximately XXXX euros .I feel like he scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX office ), the doctor made some confirmation and told me that everything would be covered by my insurance and I only have to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a collection from them of $ XXXX.This is affecting my credit score I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office to try to resolve this but they were mean, used profane or other abusive language and said I still owe the amount. She sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have made several attempts about a charged off account from Citizens one ( RBS ) bank. As this account has constantly been inaccurate, they are consistently destroying my credit report with unfair credit reporting. They have changed the information on the credit report XXXX different times in the past year alone, each time furnishing inaccurate and untrue information. I have disputed this multiple times with the credit bureaus. Further, they had a debt collector, XXXX, call my home an harass me at all hours of the night. Further they used inappropriate language telling me I am a " scumbag that does not pay my bills. '' They then threatened me that if I did not pay they were going to freeze my bank account and get me locked up in jail. The man I spoke to refused to give me his name and started to name all my family members insinuating that my family would be at risk if i do n't pay. 
XXXX XXXX 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX according to XXXX. 
Further, I 've attempted to contact the company to remove this debt, but the only information I 've received from the credit bureaus is a phone number that is inaccurate. I 've been harassed and my credit worthiness has been hurt by this! I am including a snapshot of the phone number that they are reporting, which gives a disconnected line every time you attempt to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On my credit report I saw a debt that I do not owe. I wrote and sent a certified letter to them ( XXXX ) XX/XX/XXXX. They did not respond within the 30 day time frame. I disputed the debt to the 3 credit bureau 's XX/XX/XXXX. The company ( XXXX ) and debt was removed from my credit report. Then I received a bill from the debt collector ( XXXX ). A date stamped envelope with the date of XX/XX/XXXX with a bill ( XXXX ) of an account that I have never had. XX/XX/XXXX I noticed the same debt collection, this time from another company ( Enhanced Recovery ). I sent them ( Enhanced Recovery ) a certified letter XX/XX/XXXX, only to learn that I should have written to you when I saw that the debt collector transferred the debt to another collector. I have have my mobile services with the same company for 12 years ( XXXX ) with the same telephone number and have never switched companies at any time. Please find all supporting documents to this complaint. I an disputing this bill that I do not owe. I am reporting this company ( Enhanced Recovery ) that is attempting to collect a debt that was previously removed from the 3 credit bureau 's, I am proving that I am with the same carrier and do not have a past due balance with them from XX/XX/XXXX and have never had another account with the same phone number. Moreover, this debt was erased from my credit report and should have never been transferred to another company. I thank you in advance for looking into this matter. 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 2016-12-06
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Faxed a QWR to Shellpoint on XX/XX/2016. I have not received a response on any of the loans that were included in the QWR request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: The CMI Group, Inc.
State: GA
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 received a collection notice from an agency stating I owed a debt to a company that I have an active/current account with. I called them about the letter, stated I have no outstanding balances with them. They agreed, told me to " disregard '' the notice from the agency. I told them I can not because this needs to be resolved before this reports to my credit. A ticket number was created, I followed up in one week as they requested. When I called, I was told a note on my account states, '' disregard collection notice. account is in good standing ''. I told him that will not suffice and that I need something in writing from them or the debt collection agency. I was told to call the agency directly. I did that same day. A rep said I will need to dispute in writing. I did so by fax, requesting them to validate the debt with an invoice, final bill, etc. None was ever received from them. Today, I get an alert from my credit monitoring company that this debt has shown up on my XXXX file. I immediately called the original creditor, Comast, and explained this situation. I gave the previous ticket number. I was told nothing is owed. I asked the rep to call collection agency on 3-way and let them know I do not owe this. He claimed he would create yet another ticket for them to " research '' this. XXXX nor the collection agency have been able to validate this debt that I do not owe.

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 2016-10-06
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX XXXX XXXX who I thought I had mortgage with was sold to XXXX XXXX XXXX XXXX and the mortgaging service company Shellpoint took over the servicing of loan. I have been with them a year, and early on they over charged us, then did not pay taxes for XXXX and now again they are two months late with paying my taxes for XXXX. Clearly my credit will be affected if taxes are not paid. 
I asked if I could switch mortgage servicing companies and was told that I could n't or I had to refinance, which is not an option for me right now. Please advise Is this true?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation