BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Valentine and Kebartas, Inc.
State: OH
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 owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage was purchased by Roundpoint Mortgage Servicing Corporation in XXXX of 2014. In XXXX 2014 they took funds from escrow to pay our city tax. In XXXX of 2014 we received notification from the city that our taxes were never paid. We immediately contacted Roundpoint. After some investigation on their end, they told us that they pay taxes in " groups '', and our payment went to someone else 's taxes. Roundpoint said they would correct the error, and make sure our taxes were paid. They never credited our escrow account for the misappropriated tax funds, they just took another deduction from our escrow to pay the tax bill. At XX/XX/2014, they performed a escrow analysis and found our escrow to be short ... They sent us notification that our monthly escrow payment was to be increased by {$100.00}. I immediately called them to ONCE AGAIN complaint that they still had not credited the funds for the misappropriated taxes back to our escrow. Every time I call, I am connected to a different account representative, who always says " they are going to open an investigation ''. I was told I was not able to speak directly to a manager, and that they do n't even speak with management ... They have to email a manager and wait ( with you on hold ) for a reply. I have spent countless hours on the phone with these people, and they ca n't seem to make it right!!! Now, we have no choice but to pay the higher mortgage payment, because if we do n't, there will be negative consequences to our credit history. I am so sorry that this institution purchased our mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: KEYCORP
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
KeyBank failed to supply monthly statements and updates on my account, withdrew $ XXXX inactivity fees from last date of customer activity XXXX ( verified XXXX/XXXX/XXXX by KeyBank ) then claimed date of last activity as XXXX/XXXX/XXXX but refused to state reason nor supply documentation on either, confirmed on XXXX/XXXX/XXXX having all my prior relocation addresses since, failed to supply consumer updates/notices/statements/withholdings/tax information on the account the entire period, notified me ( XXXX ) that the account was being sent to the state, stated the account was sent to the State of XXXX on XXXX/XXXX/XXXX ( the State of XXXX and the State of XXXX verified not having the funds on XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX ) yet did not have any form of tracking number or verification of such, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX confirmed that the account was still held by KeyBank and in process of being sent back to me via my branch, refused to supply statements or verify accrued interest and rate earned the entire period, refused to supply any statements on these matters, contradicted their XXXX/XXXX/XXXX statement and said they do not have the funds but sent them to the State of XXXX unclaimed property going against regulations that account origin location and holding branch dictate by law that the funds go to that states unclaimed property which is the State of XXXX yet either way held the funds and withdrew service fees for years afterward within authority in legal proceedings nor informing the owner of the account of such, stated they would supply confirmation on the last date of activity then refused even though they confirmed it being XXXX XXXX, then claimed the last date of activity was on XXXX/XXXX/XXXX with activity of a monthly service fee applied by KeyBank and no activity by the account holder, surpassed the XXXX year and XXXX year ESCHAET process requirement to either state by several years, changed their statement on sending the funds to the State of XXXX nor back to me through the branch but instead sent the funds to the State of XXXX under a XXXX year mandate for ESCHAET processing and fabricated the XXXX/XXXX/XXXX date of last consumer activity in attempts to abuse the law, held my funds for seven years and several years past regulation under either states law and policy, claim they supplied me with monthly statements showing the $ XXXX fees for the entire seven years and that I did not act upon these continuing losses, refused to give back over {$750.00} in fees they stole and stated they would only reinstate two months worth, refused to supply any account documentation or statements, lied, deceived, mislead, fabricated, withheld, abused, and treated the consumer and regulatory system like a pawn for their own gain, fraud and criminal activity. Dates, names, verifications and such available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!

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 2015-05-20
Company: SCA Collections, Inc.
State: NC
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 paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem. 
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud. 
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad check!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent TransUnion four certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on 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 2015-05-20
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I get numerous calls from all kinds of scam companies for a debit that was satisfied in 2011 by the original debtor. The one today was a different name than yesterday but the same story. It is a robocall stating that there are multiple infractions against my name and that they are going to take legal action against me unless I settle with them. This time I pressed 1 to talk to someone to tell them they are in the wrong and the person who picked up the line said nothing about being a debt collector. They then said that I already spoke to someone, I did not, and told me to, " get off my XXXX line. '' They then hung up. The number that called me was most likely spoofed but it is, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
check n go charged off my account 2017, was sold to debt collector. XXXX CLAIMS State of NM CASE # XXXX are going to sue me, claims they are attorney, Calls 30 times a day from unknown number and XXXX, XXXX, i recently disputed error in credit report which gives them notice to stop calls and provide me with documents loan is them Check N go, asked them to remove my employer number at work which they said they can not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: ERC
State: ID
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:
In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

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 2015-06-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Ihad borrowed XXXX dollars from Big Picture loans, they had sent me a paper that told me how much interest I would be paying for this amount.I was going to have to pay XXXX total for the total payments. They have already taken XXXX dollars out of my account before I knew what I was going to have to pay.This is robbery charging XXXX for a XXXX loan. Ineed to get this issue taken care of, but do n't know what to do.Iwill have to close my checking account until I get this interest rate taken care of I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with SPS. I went through XXXX treatment in 2020 and had to stay home because of COVID and treatment. SPS placed my on a forbearance with the CARES Act. SPS then wanted me to apply for a modification to resolve the missed payments. SPS declined my modification and approved me for a repayment plan. As I told SPS I have new medical expenses because of XXXX and can not afford a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: GA
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:
The followings credit accounts were placed on my credit report due to fraud as I was XXXX across seas in XXXX with the United States XXXX. The following credit accounts that have been placed on my consumer credit file is XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Please remove the following accounts immediately as it effecting my credit and living situation as these accounts relate to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not my account Paramount Recovery XXXX  not my account! Never received service not my state on residence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I switched phone services on from XXXX XXXX XXXX to XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to cancel my services. 
I received an invoice from XXXX XXXX XXXX for the full monthly total and called XXXX XXXX XXXX on XX/XX/XXXX and spoke with both XXXX and XXXX and someone was to call me back. Nobody called me back to discuss. 
I called again on XX/XX/XXXX and had another conversation for 1 hour and 7 minutes. I first spoke with XXXX at XXXX XXXX XXXX for 29 mixtures until she transferred me to the " combined filing specialist '' XXXX. Ticket # XXXX, Badge # XXXX and XXXX agreed with my assessment that I did not owe the amount indicated but a manager would have to call me back. Nobody called me. 
I know I owe something for the service from XXXX but XXXX XXXX XXXX keeps trying to charge me for the full month. I am not under contract. XXXX XXXX XXXX will also not honor my initial cancellation request on XX/XX/XXXX because they said they have no record. However, I have proof that my service changed, as I have explained to them. I can not control what XXXX XXXX XXXX records when I call them. I am happy to pay what I owe but I am not paying what I do not owe. 
XXXX XXXX XXXX has now told me twice that someone would call me back to discuss and nobody has and instead they turn me over to a collection agency, Credence Resource Management, without trying to resolve or fix their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2016-02-22
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
loan officer continually posts Interest rate without APR. I asked for the same Rate and APR since on her XXXX post it only states the PAR conventional Rate and no APR. was told no

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level

Company response to consumer: Closed with explanation