BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance. 

All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a derogatory mark for a collection from XXXX XXXX XXXX   starting XX/XX/2015 of {$160.00}. It originally came from XXXX. I had no knowledge of this derogatory mark. I had a motorcycle for a very brief period in which I had to get insurance on. I never had ANY issues with payments at all. I had everything on autodraft. So I was very surprised to see the derogatory mark and not have the ability to get it removed. I am hardworking and starting a business and want to put myself in a better place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. 

I need assistance to get them to stop calling people I know and my previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card refused to close an account and remove unauthorized charges in an amount of {$120.00}, after I called and reported those transactions as fraudulent. The company who was making charges breached contract and I ask credit card to stop payments which they failed to do. 
Customer service was very rude and refused to fix the issue. 
Worst customer service!!!

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 monetary relief
Consumer complaint received 2022-03-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I submitted a claim for unauthorized transactions on my account. On XX/XX/2022, PNC reversed the provisional credit without giving me notification and now my account is overdrawn. Those charges are fraud and I want the credits places on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check in XXXX into my account. They cleared and a week afterwards without even trying to Access the funds, chase closed the account without reason. They said it was tagged for fraudulent activity. I Deposited the check into My account Now it's been since XXXX when the check had been deposited and after 6 phones calls avg 35 minutes each and I'm still waiting for the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day. 
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018. 

It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to XXXX, Equifax and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for A Lowe 's Synchrony Bank card I was denied based on information in a report from XXXX. XXXX XXXX, in which the reason was withheld from me, along with the report.

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 2023-04-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
multiple inquiries on credit report dropping. score unneedlessly. account opened on XXXX and inquires from different addresses continue appearing. XX/XX/XXXX XX/XX/XXXX 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 2022-07-18
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We received a payoff amount in XXXX. I sold my property and closed escrow XX/XX/XXXX. The Money Source ( TMS ) was paid off a few days after XX/XX/XXXX. PRIOR to the payoff, TMS auto debited me {$1600.00} XXXX for XXXX 's payment. This was an error since I paid the property off and no XXXX payment was due. TMS sent me a check for the refund on my escrow account for taxes and insurance, however, has not sent me the {$1600.00} extra payment. I was told I should have received the {$1600.00} by XXXX. It is now XX/XX/XXXX and I called and asked where the payment is. They had no idea what I was talking about and had to open up another case and said they would get back to me no later than XX/XX/XXXX. So it went from receiving my payment no later than XXXX, to they will let me know the most current status no later than XX/XX/XXXX. This company has been holding onto my funds for 6 weeks now and last I called they knew nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management Inc.has garnished my wages. ( XXXX ) I know nothing of this debt for XXXX XXXX XXXX XX/XX/2022 they have taken out this amount {$260.00}. This is not mine. Never heard of this debt .Could you please help me clear this matter up. and return my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I, XXXX XXXX am unsatisfied at the negligence and the response of American Express when dealing with this issue and previous CFPB complaint. I ask the CFPB and AMEX to read through the attached documentation to understand where I am coming from and I ask the CFPB to help stop injustices like this and I am looking to pursue legal action if this complaint doesn't settle this bizarre incident in which my rights as a consumer are protected under the CFPB yet they are being neglected and played with by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: Municipal Collections of America Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXXXXXX XXXX XXXXXXXX XXXX in Ohio has been operating a Speed Camera system. In XX/XX/XXXX, the camera system identified I was allegedly speeding through the XXXX. I was fined {$95.00} and was due to pay this fine by XX/XX/XXXX. I paid the fine by check ( copy of check and original fine notice attached ) on XX/XX/XXXX. I then received a second notice saying I now owe {$180.00} for the same violation. I finally reached someone who could speak with me about the situation and I was able to show that I had in fact paid the original notice. My contact was with a contact at a company called XXXX XXXX XXXX. XXXX XXXX XXXX apparently collects payments on behalf of the XXXX XXXX XXXXXXXX XXXX. Attached is email communication from XXXX XXXX XXXX confirming I paid my debt and the issue is resolved. The date is XX/XX/XXXX.
On XX/XX/XXXX, I received a third collection notice now from a company called Municipal Collections of America , Inc . They claim I owe {$240.00} for the same alleged violation in XX/XX/XXXX to the XXXX XXXX XXXX XXXX. 

This complaint is against the XXXX XXXX XXXX XXXXXXXX and not the collection agency. I understand the collection agency has purchased the debt from the XXXX XXXX XXXX XXXX. I have sent a demand letter to the XXXX XXXX XXXX XXXX requiring a letter from XXXX XXXX confirming the debt is paid and that all erroneous information has been removed from any and all systems. 

I 'm tired of this harassment. The issue of XXXX XXXX 's speed camera system is before the Ohio Supreme Court being considered unconstitutional. The collection practices of the XXXX XXXX XXXX XXXXXXXX are a violation of the Fair Debt Collection Practices Act ( i.e. abusive and unfair ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I became ill and had to have several tests performed which resulted in my having XXXX on XX/XX/XXXX. I tried, unsuccessfully, to work with Freedom Mortgage to reinstate my loan. Unfortunately, I was never able to speak with the same person twice and they were not clear in their instructions for using their mitigation packet. I was told on various occasions that the packet was only good for 30 days, then 90 days, then 60 days and once I was told 2 weeks. I did receive a letter from Freedom Mortgage stating that I had met proven my hardship but they needed more information. Once my home was posted for foreclosure, my personal information was released to the public ; therefore, I have been harassed by emails and telephone calls regarding the status of my loan. Some of those calls have been threatening. After several attempts I finally hired XXXX XXXX in XX/XX/XXXX to assist in the process. Since XX/XX/XXXX it has been a constant merry go round. I have supplied every document that Freedom Mortgage has asked for but they keep requesting more. Freedom Mortgage has been supplied with my pay stubs for every month, bank statements for every month, letter of explanation when they were not able to read my bank statements correctly, tax returns for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I send in the information requested and Freedom Mortgage takes 30 days to review it. Then they will say that something has expired and needs to be resent. Once my house was posted for foreclosure I was not allowed to send in any payments. This is a process that should have only taken approximately 6 months to resolve but has turned into a nightmare that has lasted for 18 months. The law firm representing Freedom Mortgage has continued to send my certified letters stating that I have 90 days to vacate the property and that the house has been posted for foreclosure sale again. If Freedom Mortgage is working with an attorney to reinstatement my loan shouldn't they cease all legal proceedings until the matter is resolved? I have 18 months of payments, interest and attorneys ' fees that Freedom Mortgage is claiming I owe. I've been trying to work with them while they have been working against me. Freedom Mortgage has multiple complaints filed against them through CFPB. They need to work with their clients not against them!

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 2017-04-20
Company: LD Holdings Group, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-11-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wellsfargo lost my locked box contents. All my fees had been paid.

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 2022-10-06
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I filed a complaint with the XXXX  regarding Stillman Law Offices attempting to sue me over an invalid debt. In the complaint, I demanded a cease and desist and also noted any further communication would result in myself filing complaints to the CFPB and the MI Attorney Gener. Stillman Law offices has now filed suit against me and I am moving forward with my actions. In addition to this complaint, I am making another case with the MI Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX I got a advertisement from USAA credit card company to transfer high interest credit card balance to them with no interest if promotional transfer paid off in 18months. I foolishly transferred {$2300.00} to USAA. I find out that for the last 3 months I have been charged 18 % for transfer balance plus 18 % on current principle- That a combine rip off interest of 36 % ( is this not loan sharking ). I have made payments as high as {$1100.00}. {$700.00}. {$500.00} etc. The problem is that USAA applies very minimal to balance transfer ( as little as {$20.00} ) at times. This will cause the transfer balance fee to remain till entire balance is paid off. I am in process of paying this off as soon as possible. The sad part is that I would have never allowed my balance to get to this amount if I had known ( thought I was saving?? ). THE REAL SAD PART IS THAT USAA HIGHLY ADVERTISES THAT THEY ARE THERE TO ASSIST VETERANS AND MILITARY PESONNEL. SOUNDS LIKE THEY ARE HERE TO HELP US VETS OUT OF OUR FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation