BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: ERC
State: MD
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:
A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I own half the house. My father is getting XXXX he 's XXXX yrs old. He goes to the bank and chats with them all the time about finances. The bank tried to get him to get a mortgage instead of keeping his line of credit but since I own half the house they could n't do anything without my signature. Charge him {$500.00} with a guarantee he would get it back. 
My father says he had no clue it was a mortgage. He thought he was just redoing his line of credit and locking in the lower interest rate. He did n't know they were going to take {$500.00} out of his account for a fee. Then when he asked them about the money they told him he was guaranteed to get it back. I had no clue any of this was going on until they asked me for all my account info copies on the bills I pay. Never told me it was a mortgage. My Dad told me it was for the line of credit so I agreed to give them my info. They also told me he was getting that money back numerous times. My husband built a back edition on the house. XXXX was pushing us to get it done by this deadline. Told me he would add an additional {$20000.00} to the house value. I said great not knowing it was for a mortgage. Still thinking it was for this line of credit. All of a sudden I listen to my answering machine about giving them a check for an additional {$2800.00} for closing cost when they come in and sign. 
Now they want my parents to go in and sign I find out its for a 15yr. mortgage not a line of credit. My father is XXXX he would be a XXXX til it is paid off. Bank ca n't do anything without my signature. I wo n't give it. Father do n't want a mortgage either. So when I call up and ask where is the {$500.00} XXXX gets nasty on the phone with me and tells me it was basically none of my business and I 'm not the customer and NO we will not get the {$500.00} back. Well yes it was my business when they needed me to sign for a mortgage instead of a line of credit. I own half the house. They did n't realize I owned half for this reason. Trying to get seniors to loose there house. I make sure all the bills are paid including the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: ProCollect, Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.

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 2016-03-21
Company: Financial Assistance Inc
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ProCollect, 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 was paid

Complaint:
A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. 

Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. 


Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.

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 2015-12-23
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a certified letter requesting verification of the alleged debt. I have not received proper documentation. I also sent a letter requesting cease and desist and continue to receive calls from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: P&B Capital Group, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I bank with Key Bank, and have for many years, having XXXX accounts with them. In XXXX, 2014, I began to pay the wrong amount on my line of credit -- {$1200.00} vs. the correct amount of {$1300.00}. This went on through XXXX -- XXXX months. My error. However, Key did not notify me of this uncharacteristic behavior, instead issuing me late fees, while not notifying me of that, either. I made timely, if erroneous, payments -- only XXXX, actually, in an XXXX month period, while never being called by Key. XXXX the late fees and the accrual of the amount owed ( {$400.00} total ) led Key to submit this to credit reporting, again with no notification to me of their action. When I began the process of refinancing my mortgage, the error was " discovered '' by my financial consultant, who had pulled credit. When I went to talk with Key, seeing if there could be some resolve to this, they rejected any form of leniency, denying responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX scheme. 
Perpitrator sends via USPS a fradulent cashier 's check and then asks you to wire a portion of the check via Western Union to the " movers '' who will come and pick up the furniture. Once the money is wired the cashier 's check is cancelled and you are now out the money that has been wired via Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a purchase XX/XX/XXXX and did not receive a billing statement ( by mail or email ). I was told that I was enrolled in eBilling but I dont receive the bill. XXXX XX/XX/XXXX I made a purchase and after again not receiving a bill and XXXX coming to an end, I called over the weekend and the automated system said that a bill was mailed on XX/XX/XXXX a payment due XX/XX/XXXX. XX/XX/XXXX Comenity increased my min payment due by {$7.00} without notice and my account was set up with bill pay through my bank because at the time Comenity did not allow auto-pay. Because of the lack of notice I was charged late fees for being {$5.00} short on my payment. The website constantly experiencing issues and statement archives are not available as stated. Comenity is constantly changing its terms without notice ( and making false claims that it did without any evidence of notice ), and and not sending statements. Comenity unethical practices lead to increased fees to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: LENDER LIVE
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our 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 2015-05-05
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 i wired money to XXXX via western union services, on the following day, XXXX XXXX, 2016 my sister who was the person to receive money went in to XXXX XXXX to retrieve money, the teller pulled up the info and went to get money but once she had money in her hand she turned to my sister and told her there was an error on the computer system and was n't able to complete transaction ... money was never given to my sister nor did she sign for it, i contacted western union immediately and was told they would be investigating this case and have since called in on daily basis only to hear them say they are looking into this, i need my money asap and would like immediate action taken on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I sent money from XXXX to XXXX via Western Union, while I could n't receive the money. They offered me quite a lot of solutions, which were totally useless actually. They also asked me to provide my personal information, such as my passport, my driver 's license and the address. They promised me that I would receive a refund check with Fedex tracking number, which never happened. The last email I received from them was on XX/XX/XXXX, which asked me to wait with patience and I have been waiting for a whole semester. Today after I finished my final exam and tracked this transfer on their website. I was shocked by the word " We could not find any records that match the information you provided. Please try again. '' It is my first year that I came to XXXX from XXXX. I have not idea if it is kind of fraud. 
BTW just in case there is confusion, this transfer was sent from the online bank of my account in XXXX to myself in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney. 
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm. 
PLEAS STOP this company from doing this over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney.

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