BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI there. 

This account was closed in XXXX of 2018. I have returned the apartment and move to a different city. 

I remember I have complained about XXXX XXXX in the past. 

This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. 

Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. 

All charges related to electricity were payed off and the account closed. 

Please see the XXXX email regarding this account closed.

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 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a listing agent that has been working on a short sale for almost XXXX years now. We have received bank approval previously and had the buyers walk in escrow. Most recently, we had short sale approval at the price of $ XXXX. The buyer walked in XX/XX/XXXX. We found and submitted a replacement offer at $ XXXX. A new Notice of Trustee Sale was filed last month assigning a foreclosure sale date of XX/XX/XXXX. The previous NOTS had been filed XX/XX/XXXX and the sale proceedings had been on hold since then. We received a counter from the investor to $ XXXX which the buyer has met, and all requested documentation has been submitted. We were instructed that unless the file was in closing we would not be able to request postponement of the sale date. Now, although the file is complete and has been for several days, Bank of America has not moved the file forward. As the buyer has fully met the investor 's counter offer, and we previously had approval at a lower price just two months ago, there is no reason why we should not be moving forward with the current offer. Our negotiator went out of town without notifying us, and we have been attempting to work with her supervisor the past few days. We have been unable to get them to request the postponement, or even move the file forward in review. Now it is looking like the home will go to foreclosure auction on Friday, although both buyer and seller are highly motivated and we have an offer at what has been requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in XX/XX/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 2017-03-29
Company: Navient Solutions, LLC.
State: CA
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:
Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Debt Recovery Solutions, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
The company Debt recovery solutions XXXX XXXX XXXX has sent me a letter and reporting on my credit that I have a outstanding collection balance of {$520.00} for a loan linked to an address of XXXX XXXX XXXXXXXX XXXX ohio XXXX. Well, I own my home and this is not my address nor have i ever lived there. I send 2 letters to this company certified mail in XXXX and XX/XX/2020 asking proof of my signature of this loan application ( loan by phone ), copy of my driver license and all that was sent to me was a application with my name and incorrect address, phone number and zip code on the application, as well as no signature on it. I requested for them to remove it from my credit reports due to this not being mine and for them not producing information to show this is a valid debt. They have not done so, so I am putting in a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: The CBE Group, 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:
I owed money to XXXX XXXX XXXX and XXXX XXXX XXXX sent the past due account to CBE Group for collection. 

I settled the XXXX XXXX XXXX debt with CBE Group on XXXX XXXX, 2015 for {$150.00} and I have a receipt to that effect. 

At the time I made the payment CBE Group promised me that they would promptly clear the debt with the credit bureaus, but they did not. 

On XXXX XXXX, 2015, I was buying a car, and I was told by the manager at the automobile dealership that my credit report showed I have an unpaid debt to XXXX XXXX XXXX. 

The outstanding debt on my credit report is the debt I settled with CBE Group in XXXX 2015. 

The following day, XXXX XXXX, 2015, I telephoned CBE Group and asked them to promptly resolve the reporting issue with the credit bureaus and to provide me with a letter after they had done so. 

CBE Group said that they would " take care of it. " I asked how long it would take before I received the letter and I was told I would receive it within two weeks time. 

Today, XXXX XXXX, 2015, more than three weeks later, I still have not received the letter and so I again called CBE Group and again I was told that they would " take care of it. " When I pressed the issue why they had n't taken care of it in XXXX, or within the last three weeks, I was then told that the letter has already now been sent via email. 

When I asked why I have n't received the email their answer was that I would be receiving it in 24-48 hours, but we all know email is sent and received in an instant, and I do not accept CBE Group 's answer that the letter was already sent but I wo n't be receiving it for another 24-48 hours. 

It is an insult to my intelligence. 

I no longer trust CBE Group because they did not do the necessary reporting to the credit bureaus in XXXX, nor did they do it within the last three weeks, and I do not believe they will ever do it without government oversight. 

I feel like CBE Group stole my money because they did not do what they are obligated to do, which is report that a debt has been paid when it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
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:
First of all, the compound interest is a joke. I am making {$320.00} payments every month and my balance keeps growing like weeds. Basically, my payments are just going into thin air towards ridiculously high interest rates. This is for private loans, no complains about government loans. 
Second of all, they are never willing to work with you on payments. For the longest time they would n't tell me I could use income based repayment plan and they made me do deferment and forbearance instead. They were not willing to lower payments even after I told them I went through XXXX and was struggling financially. They gave me an attitude when they saw a new car loan on my credit but when I asked them how they expected me to get to work when the bus took 2.5 hours, they had no good answer. 
Navient is not a student loan company, they are a modern day debtor 's prison!!! 

P.S. The school that I attended that pushed me into these loans at the age of XXXX and promised me gold mountains is just as bad as Navient. They are now closed and I am left with piles of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold Checking account, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX XXXX as a bonus after fulfilling stated requirements. 

I live in Texas where there are no physical Citi Bank Offices, so I had to apply by phone. The Citi agent assured me that I indeed qualified for this offer and that the offer code was attached to my new account. 

As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. 

To avoid any monthly checking account fees, I deposited {$51000.00} into the account by check via regular mail. This finally was accomplished after XXXX attempts and multiple phone calls with Citi and during each call I was assured that I qualified and that I would receive the XXXX. The first attempt to open the account took place the middle of XXXX 2016. Due to a fraud alert attached to my credit reports ( due to a previous identity theft ), Citi did not accept the check since they were unable to contact me ( I was out of town when they called to verify identity ). Subsequently they sent the check back to me. 

After contacting Citi again, I was told to resubmit everything including the offer code and the {$50000.00} to avoid monthly fees. So on XXXX XXXX, 2016 I attempted the account application for a second time, again on a recorded phone line. I finally succeeded in depositing this large amount of money into the account. During XXXX application attempts, which involved several phone calls, the Citi agents assured me during each and every communication that I indeed qualified for this offer. 

I did all the required steps ( spend {$1000.00} with debit card, perform XXXX bill pays within the first 2 months ), but now Citi is telling me, that I do not qualify for this offer. This after having been told during XXXX applications that I did in fact sign up the correct way, that I completed the required steps and that I would receive the XXXX within 90 days. 

I have talked to Citi about this several times and I am very frustrated. I have to conclude that this is either a scam or false advertisement on Citi 's part.

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 2017-01-04
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.

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 2015-04-01
Company: Van Ru Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Van Ru Credit Corporation by phone ( XXXX ), regarding collections for an outstanding claim which they would not identify. I called them back to request a validation notice, as well as any information on the claim, and they refused to provide it for me without my social security number. I hung up. I have not received a validation notice, nor any written communication from this entity ; therefore I can only assume fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from this company stating they are going to suspend my license for non-payment and I have been paying on this account for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: iFreedom Direct Corporation
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am veteran who aplyed for a VA house loan with Veterans First mortgage in XXXX XXXX, ca. After working with them for 8 mos. doing all the paper work and paying {$60000.00} for a " appraisal '' the manage asked what other also was needed to complete the loan process. She was told they did not known! I then call and informed Veterans First Mortgage we were dropping them to go to go with another lender and and could we get our {$600.00} back for the appraisal that was never completed. I was told they doubted they could get the money back. They said they wondered why it took us so long to drop them. I do not want some other veteran to go through this process. Our new lender had us well on way within hour phone call! We would like to get our money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My debt with midland financial had already been removed from my credit report after I had disputed the debt with XXXX. Therefore they can not threaten to sue me as the debt had been discharged due to " The balance and/or past due amount being incorrect ''. This judgement was completed on XX/XX/2020 and was subsequently deleted from my credit history. 
They call me multiple times a day, have called family members of mine, and have threated to sue me if I do not pay, even though I no longer owe money to this company. If they do not stop I will take legal action of my own. They have been sued many times and threaten many other people and it is time this stops now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: SLM CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. 
The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company is reporting a debt I have no knowledge of and for which I never received a notice of debt from the company as rquired by the Fair Debt Collection Practices Act. Therefore, on XXXX XXXX, 2016, I requested they provide me with info on this debt per certified letter. ( see attached letter ) and they have failed to provide this information. This is a violation of the Fair Debt Collection Practices Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-02
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Act Control Technology stating I owe the U.S Department of Education, but I am currently paying the only student loan I owe to a company called " XXXX ''. I consolidated my student loan with XXXX about one year ago. I received a similar demand letter from XXXX a few months ago and disputed the account with them. I have not heard from them since. Now I am getting another demand for the same loan XXXX was trying to collect. I believe the student debt " Account Control Technology '' is trying to collect is not a legal student debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Upon finally receiving proof of debt, I have paid a debt directly to the original creditors. Transunion refuses to remove the collection information even after receiving documentation in a dispute

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove this unauthorized inquiry from my credit report. Thank you.

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