BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.

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 2015-08-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Professional Debt Mediation, Inc.
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:
PDM ( Professional Debt Mediation ) send me letter XXXX XXXX, XXXX that my account with XXXX XXXX has been referred to them for collection and I need to send them {$78.00}. The bill from XXXX XXXX ( another name XXXX XXXX was {$31.00} and was paid upon receipt by check # XXXX XXXX/XXXX/XXXX and cashed by company XXXX/XXXX/XXXX. there was a typo with year on check, but company was able to cash it. XXXX was informed ( copy of the check both sides and bank statement was provided by fax, mail and registered mail as well as PDM. Last time PDM was informed I have an attorney to present me and requested not contact me but they still sending me letter, last one XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Finance of America Mortgage LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just refinanced my mortgage with Finance of America Mortgage. The first payment was due XXXX XXXX, 2016. I mailed the payment in XXXX. They applied the payment INTO SUSPENSE on XXXX/XXXX/2016. They notified me that there would be a new lender effective XXXX/XXXX/2016. They refuse to apply the payment to the loan even through they show they received the payment on XXXX/XXXX/2016. They are telling me that they plan to send the payment to the new lender, but they are CURRENTLY my lender and servicer. My mortgage contract stipulated in what order the payment will be applied. There is NO ESCROW account, so the only choices for a early payment would be P & I. There is no option for SUSPENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Turning Point Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
GS Holdings in NY called me last week and demanded I pay a debt and threatened that papers were filed to sue me. I gave them my debit card after they told me they would send verification that I paid and the debt was cancelled as soon as my card went through. They immediately took {$1000.00} out of my account..I never received any verification letter ( they were supposed to email it ) .I waited 5 days and no letter so I contacted my bank and they reported it as fraud. I realized I was scammed. One week later a man named XXXX XXXX the director of operations so he said, called and started threatening me because I cancelled the payment and reported it. He started screaming at me and threatening me. I told him to stop yelling at me that he was not my father and he is unprofessional. He screamed " You sound like my wife '' ... .I told him I talked to my lawyer and my lawyer said to have GS holdings call him call him. The man started screamed at me again and then hung up. I tried to call the number back and it said the number was unavailable. That is definitely fishy, why would a legitimate company not have telephone that worked? And they called off different numbers but all from XXXX XXXX My lawyer said debt collectors can not call you and they can not yell at you or threaten you. He told me to absolutely not pay it, he thought it was a scam!! They should be shut down!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: Aargon Agency, 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:
Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-22
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01
Company: ORG GC GP Buyer, LLC
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 was paid

Complaint:
I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 

2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.

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: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Aldridge Pite, LLP
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
A company called Transworld Systems Inc is attempting to collect a debt on behalf of the XXXX, but the debt is not mine. I do not use the XXXX and the address for the person they are seeking ( with my same name ) is an address I am not familiar with. I 've let them know this verbally and in writing but it seems they are continuing to request payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Integrated Recovery Services
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
After I and my superiors told numerous Employees at Integrated Recovery Services that I am not allowed to receive calls at my workplace, they persistently continued to call my workplace. They also leave messages about my private information on company voicemail. I also asked them to stop calling my personal phone. The employees at this collection company are being rude and lying about who they are in an apparent scare tactics. I have saved all voice mails from this company and they can be heard calling themselves attorneys and public defenders amid other threats such as garnishment and court. I have not received a single piece of mail from this company called Integrated services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: ORG GC GP Buyer, LLC
State: CA
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 applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.

Company response to consumer: Closed with explanation