BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened new savings account online with NY Community Bank on XX/XX/XXXX funded with an initial ACH deposit of {$20000.00}. 

Subsequently on XX/XX/XXXX I deposited an additional {$20000.00} also via ACH. 

My bank paid the ACH 's on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Subject bank placed a two week hold on all money in account in violation of Regulation CC. 

Further, also in violation of said Regulation, they failed to provide any notice of their intention to place an extended hold at any time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the date below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is there was a billing error with my statement.

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 2016-06-21
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
it started as XXXX XXXX, XXXX XXXX. Green Tree Serving, Di tech.Now I pay my insurance to these people. I tried to make appointment to make a claim they never answer the phone.All they ask for was the Mortgage payment.The front door haves a XXXX to XXXX inch gap in it and the back door to.We have to sleep with two by fore under the door handle front and back.We told them that the foundation is shifting they never replied.We or behind in our Mortgage and they trying to fore closes.PLease I 'm not trying to get over on these people they or getting over on me.Please could you help me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022, my home owners insurance policy ended with XXXX XXXX on my home that I had paid a yearly insurance protection policy for. XXXX XXXX did not send me a renewal notice about my policy coming to an end. Around XX/XX/XXXX, I received a letter from Rocket Mortgage that they did not have insurance on my home on file, and that I needed to buy some right away. They also stated that they purchased insurance for me that was Forced Insurance. The next day I purchased a new home owners insurance policy and notified Rocket Mortgage immediately about the new coverage. I was frustrated because I was charged an insane amount for the coverage. Reading over the Federal Regulations I was seeing that mortgage companies need to issue a letter and wait 45 days till purchasing insurance. I was not given any type of window. Please help clarify this for resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Carter-Young INC is harassing and using aggressive tactics to try and collect {$180.00}. I have never done business with this company, nor do I have an agreement or contract with this company to pay make a payment. I do NOT owe this company any money. they have impacted my credit negatively and need to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.

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 2017-08-16
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re : AES SERVICER FOR MY LOANS WITH XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have mailed and faxed to Cancel Autopay for All Loans with Loan and Graduate Services. I am resending a letter from XXXX XXXX as as my checking account is still being auto debited after cancellation request. The letter was sent in the same envelope with my request for a settlement/different repayment terms which I received a reply on. The request to cancel auto debit seems to have been ignored since it has continued. Of note, I sent a request to cancel auto-debit over 6 months ago, but only my XXXX/XXXX XXXX  stopped debiting. Therefore, this is my 3rd request to properly cancel auto-debits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was offered to get an interest charge credit back to me for {$100.00} and {$19.00} for the XXXX XXXX statement for 2017. I have gone over this with various folks that this was offered to me for a courtesy as promos were not applied properly at checkout times. This was confirmed by a rep for the credit card and now they send me multiple messages stating the below answer. 
( Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you. 

We have completed our investigation of your inquiry and have provided you with the resolution. Unless you have additional information, we have no choice but to consider this issue resolved. If you do have new information that may assist in our review, please call us at XXXX or send any additional documentation to the address listed on your billing statement. 

We appreciate you as a valued Walmart customer and hope you will continue to shop with us. 
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: RMS-Recovery Management Services, Inc.
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RMS repeatedly calls my work phone and cell phone incessantly. XXXX XXXX is the date of the last phone call I received. I explained that this debt is not valid. I dropped my course with XXXX prior to the drop date deadline. I do not owe XXXX anything. The woman on the phone told me that she was going to call XXXX and tell them that I am refusing to pay the debt and threatened to damage my credit further if I refuse to pay RMS {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: AAA Collections
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
These I assume were resolved once before, Yet they were transferred to YET another company that is threatening my credit history. These assumed debts are are over 15 years old, Our medical insurance refused to pay, resulted in my termination of employment from same insured job and almost my life. I am now XXXX for the SAME reasons ( Federal XXXX ). I have XXXX XXXX now, XXXX and other serial medical issues. Our ONLY income is from XXXX. Please make them go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
2012 I had wells Fargo, multiple times my direct deposits would go in and disappear for 24hrs I would call customer service and they kept saying its normal and my funds would be available following day. As that would happen I would get overdraft fees do to no money because they would hold my money causing me to lose money all the time. As well as pulling out money I would have issues to pull money greater than {$500.00} without them putting my account on hold until I confirmed it was me. I also had a savings account which I kept loosing money due to my overdraft fee, so they would take from my savings to pay the late fees because they kept holding my checks after they were already deposited! 
I dont remember dates or money amount but it was a lot each time. As well as when I closed my account they kept charging me a maintenance fee even after I closed my account and I received multiple letters stating I owed them over {$500.00} of maintenance fees! And thats after I closed my accounts!

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 2019-12-20
Company: MoneyLion Inc.
State: FL
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:
Once again, I am having to come to you to fix this issue. Money Lion is again reporting that my loan with them was previously outstanding which is NEVER has been ALL payments were made ON TIME! You can not speak with anyone at this company Im management to correct issue only customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
COMPLAINT AGAINST XXXX XXXX On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX XXXX account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was $ XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX.Now I see on my credit report a balance that is to be paid by them after I have already closed my account. I did similarly with XXXX XXXX XXXX and they did not come back to be stating that I owe 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 2020-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Repeatedly requested a written copy of the debt, breakdown to confirm. Repeatedly asked for a statement of bill. Was told they are not sending anything else out. Others said they would and never have. Made multiple phone calls without resolution. I have been not able to make any progress to confirm the bill and make payment, ut I keep getting threatening harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Consolidated Recovery Group, LLC
State: IN
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:
We have a case here of fraud. The consumer used our service with our company XXXX XXXX XXXX, damaged our RV, and we sent a ton of pictures and documentation/contracts to the credit card company after they did the charge back for services rendered without requesting information from us, the business owners. This is not allowed, they must ask first for information and then determine if its legitimate. There is nothing friendly or pleasing about friendly fraud. Friendly fraud is an industry term which refers to a fraud which results from a customer making a purchase with his or her own credit card, receiving the merchandise and then filing for a chargeback. This involves dishonest people who would like to keep the merchandise without actually paying for it. This is what happened to us and we have been victimized for years due to this fraud. 
In the offline world, this is known simply as shoplifting or stealing. However, this is tolerated on the Internet, thanks to chargebacks. We expect this debt to be erased immediately or we will take further action. The documentation, we assume, is on file with this collection agency. Please publish this situation as something needs to be done about their dishonest business practice. All anyone has to do is read reviews online to see all the issues with the original company : XXXX. AND they are out of business .... not surprised. XXXX XXXX. Therefore there is no way to dispute this situation with the original creditor. This is so shady all the way around. Again, we assume this " collection '' company has all the original documentation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX  XXXX  VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last XXXXwo years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartments management changed and ownership changed several times. 
They would send out letters stating this. 
This caused a lot of missed communication. 

We then spoke with a lady name XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who worked in the business office. We did a mutual Agreement. Because of the inconsistency with fixing things and not being able to tell us what the xtra fees on our rent bill was. 
No eviction was filed. 
We also have a letter stating the balance we owe. It says XXXX. 

We reached out to the apartments for several months, they told us its in collection We then reach out to the collection agency. 
The balance on my credit profile was XXXX I called and spoke and asked for a payment plan. They said no. Pay in full. 

Then about 2 days later the amount went up to XXXX they added XXXX. 

We called again asked why did the amount get raised? After the phone call. They raised the balance to XXXX dollars.. 

My lawyer has reached out numberous times. 
No response.. 

This is ruining my life. Ive had to stay with family, not able to get a place of my own. I have two small children. I want to pay this off. But only the official amount.

Company response to consumer: Closed with non-monetary relief