BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Regional Acceptance Corporation effected a predatory loan against me, charging me both 18 % Interest as well as Compound Interest. I requested assistance with my XXXX Payment when my pay was affected by my reportage of VA Violations to Congress in XX/XX/XXXX. My original loan was eliminated and I was charged XXXX per month. In lieu of working with me they used my good faith against me to charge me more, when I made a legal good faith payment as I could not afford to continue with the XXXX Payment .XXXX XXXX of the Regional Acceptance Corporation office in XXXX Texas CLOSED my XXXX account, disabling my ability to pay, reported my account as 'Charged Off '' on My Credit Report. When I complained to the State BB & T their general insurer Responded in a Letter and via the internet stating that they would NOT refinance me nor would they repossess my vehicle. Unable to live with this situation I returned the vehicle in a Voluntary Repossession XX/XX/XXXX In XXXX Texas. 
I desire that all record of this company and their " debt '' be deleted from my credit report. 
I also want to seek damages via their General Insurance Provider, But BB & T refuses to give me a copy of their General Insurance certificate as of this writing.

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 2017-04-07
Company: McCarthy, Burgess & Wolff, 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 have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan that I got from going to XXXX in Oregon. That school is now closed. I 'm not even sure that the degree I got is usable. I feel that I was manipulated into signing forms so that they could get paid. I was very young and I think they lied when I was signing these loan papers. I thought all student loans were federal at the time and would have a lot of repayment options. This is a private student loan and there are hardly any options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
my card was stolen and used around XXXX/2017 i never used the card at this merchant for this amount XXXX-XXXX XXXX XXXX FL # XXXX {$7100.00} i called wells fargo and they denied my claim wo investigating there clearly violating my right under the fcba and this wasnt even used for the chip is was swiped based clearly wells need to be investigated for violating my rights under the fair credit and billing act, i also filed a police report with XXXX police dept phone number XXXX officer XXXX report number # 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 2016-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX-year old retired male living with my XXXX-year-old wife in XXXX, Virginia. Since XXXX XXXX we, as joint owners, have been faithfully paying a 30-year mortgage loan with Bank of America ( BOA ) Home Loans, which acquired Countrywide Home Loans in XXXX. Currently the principal balance is {$77000.00}. During the course of the mortgage we have had several issues with BOA concerning the escrow account ( taxes & insurance ), which monies are paid to BOA from our total monthly mortgage payment of {$900.00}. Currently the monthly escrow amount is {$140.00}. 

In XXXX our then-monthly mortgage payment of {$1100.00} was reduced nearly $ XXXX/month, largely due to a reduction of our XXXX XXXX County property/real estate taxes under the county 's Tax Relief Program for XXXX and XXXX Persons. Also, in XXXX XXXX, BOA sent us a check for {$2300.00} for " escrow overage. '' However, this month, XXXX, XXXX, BOA sent us an Escrow Account Review statement in which BOA established a new monthly escrow payment of {$280.00}. No stated reason for the increase, however the statement applied ( added ) our annual county taxes of {$990.00} TWICE. We do not know why BOA sees fit to increase our escrow payments or why our county taxes are applied twice. However, BOA sends to us about twice a month offers to refinance our mortgage. Which we do not want, especially because our monthly mortgage payment is more manageable due to the county tax reductions. 

We are left to think that, perhaps, BOA is attempting to recoup the escrow overage check money by increasing our escrow monies owed, in addition to to pestering us to refinance, which we believe would be far more beneficial to BOA than to us, especially since our principal payments are now reducing the total amount owed on a par with the interest charges. 

As things stand now, we consider BOA 's escrow increase to be arbitrary and without merit and wish clarification of BOA 's intentions under its Escrow Account Review.

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 2022-10-01
Company: Bread Financial Holdings, Inc.
State: NJ
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:
My credit card has been paid off in full since XXXX and my credit card is still reporting the balance thats been on the card since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
There are unauthorize credit inquiries reporting on my credit report. I have notified Equifax to delete all unauthorized credit inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've been a customer of Bank of America for many years. As of late, they have been treating me poorly and unfairly. They are charging me an outrageous rate for interest and are not willing to comply or understand during financial hardship. I 've called many times and have left messages only to be rejected or not even have my phone call returned at all. This bank is careless and truly does not care about it 's customers. Even under new applications it states that the highest interest rate and was completely different that the one I was given. They even lowered my credit limit on another card for no reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: MD
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 received a copy of my XX/XX/XXXX credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Dream Center Education Holdings
State: VA
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 am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe The Art Institute any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that The Art Institute never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from the Art Institute notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-09
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I submitted a partial payment of {$1400.00} to be applied to my mortgage payment. The money was placed in a " Suspense Account ''. I qualified for a loan modification and after the modification was complete, the money in my " Suspense Account '' was robbed from my account and reclassified as " Eligible Servicing Fees ''. As I understand from the holder of my loan, XXXX XXXX, no fees should have been charged nor should my " Suspense Account '' have been depleted for such fees. XXXX XXXX and Ditech have both received the same documentation. Please review my claim and contact me if you need additional information. 
Thank you for you attention to this matter. 
Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select portfolio servicing , Inc . 
XXXX XXXX XXXX XXXX, Ohio XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX are attempting to foreclose on my property at XXXX XXXX XXXX XXXX SC XXXX 1. They have denied my modification. 
2. They are foreclosing on me with an assignment that was fraudulenty created and robo signed. 
3. They pooling and servicing agreement that was filed with XXXX securities exchange clearly indicates that all conveyance were to have been done 90 days within the cutoff of the trust. 
4. The loan was placed in the trust 6 years after it closed. 
5. XXXX XXXX XXXX did not respond to my debt validation and Select Portfolios did not respond properly to my written requests. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2015-10-28
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a direct deposit on XXXX/XXXX/2015 in the amount of {$280.00} and could n't access my money from Rushcard. They said they are having problems due to the update on XXXX/XXXX/015 and they are working hard on this issue. I have spoken to them everyday since this time and nothing has been resolved. They have no answers and I ca n't get my money out because it is saying {$0.00} balance ; even though I had a deposit on XXXX/XXXX/2015. I am very upset and bills are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: MoneyLion Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with money lion was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.

Company response to consumer: Closed with explanation