BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: First National Collection Bureau, 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 is not mine

Complaint:
I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

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 2016-10-20
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
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:
I am writing to report an action of a company. The company Conserve they are handling a debt I owe. I 'm writing this because I was treated unfairly. I was never given a notice. Which in this notice states I has the right to challenge or make a payment arrangement. Some how they sent the notice to wrong address I have n't lived in in years. I contacted the original debtor. I told me they did have my correct address. I informed the company Conserve sent the notice to my old address. I said they had the new address for awhile. The biggest problem is when I informed Conserve. That i never got the notice. I was meet with attitude and bad business ethics. Conserve said it was my fault they had the wrong address and not their in a very angry and discomfort way they told me. As if they was saying we do n't care what we did. The confusing is Conserve some how had my current employer address correct. But had my current address wrong. I started working for this company while after I moved. It seems to be Conserve did this so I could n't fight the claim. I would n't had thought this if someone would had said sorry we had the wrong address. But instead they made it seem like it was my fault trying to be little me or bully me into saying nothing. I felt a lot of discomfort. I felt I like I just got bullied into something and had not control. Cause I was never given my right to settle or make a payment arrangement. I told Conserve they they do n't show up on my credit report. They informed me that they would n't show up. This is what scarred me an outside party is collecting something and there is no paperwork on my credit report of them. I felt like i was be even more bullied. And that the none notice was intentional to collect on a debt before I could stop it. I filled out all their requirements to have the debt lifted. I was told I could fax it in so I did. They said they sent it off to the original debtor to go over to see if the debt can be lifted. I was told I could send in extra information. I sent in extra info later. So I called and was informed they they do n't know if the extra info would be used. They just told me that it would be. So I ask is it a way I can check on it. They told me no. That they do not know who is handling the debt. They just sent it off and wait. I have no clue if they really sent it off or not. They had my address wrong and something do n't seem right. I do n't trust them. They said it can take two months to hear something. I do n't feel it really takes that long or they just stalling. I just feel helpless and looking for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Thaxton Investment Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The Company filed suit in magistrates court, they never showed up for court on XXXX different times and i won a summary judgement in my favor, however this lender still reports to at least XXXX and XXXX. The judgement was entered XXXX XXXX, yet this company has reported to the credit agency as recent as XXXX XXXX. of this year XXXX!!! And they have notice from the court that they lost the case, i know this because the court clerk put a post note along with my notice that she sent them one.. They are willfully thumbing thier nose at me and the law!!!! In this case the Court.. They are slandering me and i have already been denied credit thanks to thier reports to XXXX and XXXX, ,Can you help me please???? Can you help in recoving damages from them??? Thank You!!!!! I never app ; ied for a loan with 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 2018-05-26
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My report is about XXXX XXXX XXXX. They are blatantly committing fraud in two ways : Trying to collect on an amount that was fraudulently charged and inflating the amount that was fraudulently charged. 

I indicated to them that the financial record on file was incorrect and represented incorrectly since based on multiple calls with them, I was able to show them proof and they still charged the amount to my credit report. This is blatant abuse of power.

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 2015-11-23
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: First National Collection Bureau, 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 is not mine

Complaint:
I have not been contacted ... appears on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: General Motors Financial Company, Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
in XXXX XXXX my co-signer assisted me with a loan from GM Finanicial. in XXXX XXXX she was declared XXXX in the XXXX XXXX probate court and issued a guardian the guardian wants her off the loan .GM finanicial refuses to release her from the contract. she did not make any payments on this loan, I have been the sole party responsible for the payments and I will continue to make the payments. she is a ward of the state now and should be released from this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXXXXXXXXXX To whom it may concern : Around XXXX, XXXX, I went to the branch in revere to opt-out my account to prevent incoming charges without my consent, unfortunately Santander bank, did not obey my request and they kept paying items without my consent. I previously sent a complain to you guys ( CFPB ) in reference to the violation and fraud that this bank is doing with the customers, but you did not take action of whatsoever with the bank. 

On XXXX XXXX 2016, I called again and I was assisted by a lady name XXXX and I asked her to please opt-out my account from incurring charges without having available fund to cover. She states it that my request will be in effect in the same day. To my surprise, again they did not comply with my request and they keep paying the bills without having available funds to cover them. These charges again were done intentionally just charge me over draft and sustained fees to profit themselves illegally. Within matters of 6 months, I have paid without my consent around {$930.00} just in feeds putting myself in a deficit in a monthly basics. 

These irregulating happens because you guys ( CFPB ) are not doing your job to protect customers from banks like Santander bank. They actually pick and choose what to do with the customers, they can pay charges without consent or they can stop paying charges without consent just to profit themselves. I requested long time ago to be opt-out from paying charges without having available funds, but my request was ignored and Federal Consumer Protection Bureau does not do anything to protect customers. 

Enough is enough and I want all my overdraft and sustained fees to be refunded to my account as soon as possible and I want Santander bank to complied with my request permanently. 

Please Consumer Federal Protection Bureau, act and protect your customers from banks that abuse the law under the table. 

FYI, I want you guys to investigate this bank not to send the complaint and received a response from them which will lead to nothing and they will keep doing the same. ( stealing money from customers ) Sincerely, XXXX XXXX, Your customer..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: National Collection Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. 

XXXX XXXX XXXX National Credit Management XXXX XXXX, MO 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 2015-08-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
To : Santander Holdings USA , Inc. 


Complaint ( Pre-settlement notification ) 1. I am filling a formal complaint after previous unsuccessful attempts to solve the issue over the phone with a call center operator. I am copying the Consumer Financial Protection Bureau responsible for supervision and enforcememnt of federal financial consumer protection laws. 

2. At the opening of my account with your representative XXXX XXXX XXXX at a branch located at XXXX XXXX, XXXX, NY, I expressly rejected to consent to overdrawing and any fees associated with overdrawing. I made such a decision on purpose in order to avoid unintentional overdrawing and fees commonly associated with it. Therefore, I assumed that overdrawing from my account was not possible under any circumstances. 

3. On XXXX XXXX 2014 I deposited a check of XXXX USD issued by a third party. Consequently, I conducted XXXX transactions totaling XXXX USD. At that point I was not aware of the fact that the check had not been deposited to my account, as the Bank had not notified me that the check was not valid due to the issuer fault. Moreover, the Bank did not notify me that the account balance was not sufficient to cover the concerned transactions. The Bank charged me XXXX USD per each transaction, in total XXXX USD as an overdraft fee. This means that the Bank let me overdraw my account without notifying me of the failure to deposit the check and without my previous consent the Bank charged XXXX USD overdrawing fee. Furthermore, as a consequence of the previous, the Bank closed my account and claimed the fee thus effectively preventing me to settle the balance. 

4. I would like to emphasize that pursuant to law banks are required to disclose any fees when the deposit account is established and they may not assess an overdraft fee on an ATM or one-time debit card transaction if the account holder did not affirmatively consent or agree to the fee. I claim that these conditions have not been yet, particularly as I have never provided any consent. 

5. Therefore, I request cancelation of XXXX USD overdraw fee and notification of the payment method to settle the outstanding XXXX USD claim. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pressler & Pressler is trying to garnish my wages for a XXXX account that I do not owe. They have failed to send me any proof that I owe this debt. It not on my credit report as an original creditor, a collection account or judgment. I looked up their company and see they are collecting debt illegally. I really need your help in stoping this because I do not feel they have the right or the proper information to try and garnish my wages. First they said it was for an XXXX account then then came back and said it was for a XXXX account. I Do n't think they know what they are doing and I ca n't afford to have my wages garnished for something 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 explanation
Consumer complaint received 2017-02-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
Account ( -XXXX ) was paid in full on XX/XX/2017. This account was a 0 % interest until XX/XX/<YYYY> On XX/XX/2017 account was closed and balance was transferred to another account ( XXXX ). Because if this I am being charged {$2800.00} in interest that was deferred and a {$27.00} late fee for non payment on this new account ( XXXX ). 
I was never informed that they were going to transfer this balance to another account. 
Tried to contact by phone and after 30 minutes on hold I gave up for now.

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 2016-01-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation