BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: Genuine Debt Solutions, LLC.
State: VT
Product: Payday loan
Issue: Can't contact lender

Complaint:
Receive phone calls at least twice a day for my warrant of my arrest and that I 'm being sued. Now family/friends/work are being called and threatened. When I try to return the call to ask for documention to be sent to me in writing there is not answer. Is this a scam.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-03
Company: MoneyLion Inc.
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
Lender required bank verification by logging into account on their site that included answering a security question. My account is now at risk. I was told I was approved then after verifying the account I was denied.

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 2015-10-28
Company: DriveTime
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
After XXXX filed a civil suite for collection, an agreement and imidiate payment was made to thr lawer they used. Then a week later they continue to try to collect the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home

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 2022-04-19
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX  Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX  Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: American Financial Credit Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is from XX/XX/XXXX. It has been payed in full. 
The first I have heard of this was last year, ( XX/XX/XXXX ), in XX/XX/XXXX, when XXXX attempted to collect on this. 
The originator of the debt, ( a hospital just outside of XXXX ), has since closed. After many attempts, I was unable to find anyone involved that might be of help. 

I originally payed a lump sum and had the remainder come out of my checking account, via direct deposit. This resulted in the account being payed in full. 

After no luck with the hospital and no luck dealing with XXXX, In XX/XX/XXXX I contacted all XXXX credit bureaus and submitted the information I had. They decided that this debt was unfounded and had the negative remarks pulled from my credit score. 
That was just last month. 

In XX/XX/XXXX, I received a letter from Halsted Financial Institute attempting to collect on the same debt. 
I contacted them on the telephone and tried to explain my situation. 
I believe that XXXX just offloaded this case to them, selling a bunk debt, after realizing that they could n't collect on it. 

If you could please assist, it would be great help. I do n't want to go through all of this again, or until the end of time. I 'm not sure what to do at this point. 
I do appreciate your time. 
Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF THE WEST
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was the victim of a scam/fraud on my bank account XX/XX/XXXX. I notified the bank as soon as I was aware of it and before they notified me. Instead of treating me as the victim I was I have been treated as the perpetrator. They froze my bank account even though I let them know that my only source of income was coming in which was my Social Security check. They let me know that they would be taking out the complete amount of what they said needed to be returned to the bank from the fraud which would leave me only {$450.00} to live on for five weeks until my next check. I was also told that since my account was frozen NO money could be taken out even by me. 
When I requested that my account be closed and my balance sent to me I was told that the balance was only {$100.00} because the teller that was handling the case authorized XXXX bills that came in after the account was frozen. How can an account that is FROZEN be used at the tellers ' choosing without notification to the account holder? 
I have had many lies told to me such as that the Area Manager of the XXXX XXXX was going to go to the branch personally and close the account and have the check sent to me by XXXX since I have NO money to live on. No check arrived. I called the branch again and the same teller said that when she went into close the account and send me the check she found that the account had been closed supposedly by Corporate Security and a check sent. However, despite me changing my address the check was sent to my old address which will have to be sent to my forwarding address then to me. I was accused of telling Corporate Security to close the account, by this same teller which I denied. I have been treated very bad verbally by this teller, had phone calls not returned by her boss at the branch, calls not returned by the Corporate office person I 've been working with and a lot of promises made and told a lot of lies. I still have no money. My money is being kept away from me and no one seems to be able to give me any answers about the fraud case or how to get my money back. This bank has even said they have very little experience with this type of thing so was n't sure what had to be done. It 's called Policy and Procedures. Needless to say I will never use this bank again. 
Due to this bank not giving me my money I have had to contact Social Security and stop Direct Deposit of my checks because I ca n't open an account since I do n't have enough money to do that to get Direct Deposit of my checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently been informed that there is negative information reported by Equifax, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX XXXX XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Equifax did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Northeast Collection Bureau
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have provided proof that the debt was paid previously, it appears the debt was passed on to another collection agency and the payment not noted. I continue to be called and have a log of those calls.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Representative called me today XXXX XXXX, 2015 and started her call with complete attitude in her voice. Advised her I spoke with someone already and that I have no funds yet. Been XXXX since XXXX and fighting to get my XXXX. Other than that payments had been paid consistently before this. She then asked why I do n't have money. My response again XXXX and she said why is that. I then asked her why she had an attitude with me she 's a CSR she said I am not a CSR. A collector/CSR rep using the tone and attitude she used with me today would be harmful for her company. She needs to listen and refrain from using smart remarks or belittle some one with questions of why we have no money or not working. I wish to not speak with this rep again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF THE WEST
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was called by a lady at the XXXX Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on XXXX. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The branch manager had okay 'd that I proceeded. This is probably the worst bank ever. Now I am having to find a new bank ... and my rent will be late and I will be charged extra fees. I went with this bank due to the local branch having great customer service. This lady works at the same branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the NPV test that failed, as the reason for their denial stating that they could not come up with a payment within the program guidelines. This was for both their standard modification and the Home affordable modification. After reviewing their denial letter and the vague explanation for denial I proceeded to perform my own calculation using the figures they had provided. I also performed another NPV test again using most of the information they provided and the result form the NPV test I performed was positive and it state the client may qualify. My concern is that this file is a rather difficult file since the client has rental income as her primary source of income and other outside the box issue that this company did not do a accurate and complete review of this file. I believe a experience and knowledgeable underwriter needed to be the one assigned to this file as they would have been better equipped to understand how to underwrite. Also looking at the way this file started and the issues we have had since the inception of this review, I question the commitment this company has had to truly assist this client. I feel that it has been demonstrated through their action that they may have used whatever excuses to deny my client instead of working to approve.

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 2015-12-01
Company: Nationwide Biweekly Administration, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.

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 explanation
Consumer complaint received 2015-11-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.

Company response to consumer: Closed
Consumer complaint received 2018-05-28
Company: Bread Financial Holdings, Inc.
State: FL
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:
After reviewing my credit report I have several accounts opened in my name over the past few years. I have tried to fix these issues and they keep coming back as mine. I work 50 hours a week with 2 roommates who are able to order things without my knowledge ( In which Im also pressing charges ) ... I told this company even though you guys have my address I did not open these accounts and I talked to someone who stated the accounts were opened with just my last 4 digits of my social. Im sure if my full social was asked for this could have been avoided.On top of these accounts on my credit XXXX and XXXXXXXX XXXX continue to attach late fees on a closed account and XXXX sent this account to collections.I will not pay for a account I did not open and your company need more information than just the address is the same ... Before i get my lawyers im giving this company one final time to make this right as this has been a nightmare and Im unable to purchase a house. I am asking for proof that I open this account something more than a  matching XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: LendUS, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: IMC Capital, LLC
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a business owner, and I received a very authentic looking credit card from " XXXX '' naming myself and my business. The card itself looks real, and the sheet it is attached to -- with sections like " Available Credit, '' " Activity Since Last Statement, '' " Here is your new XXXX Premium Platinum Card '' and small, again authentic-looking print promising " No activation or annual fees '' and " Enjoy 0.0 % or no payments for 90 days '' -- also looks credible. 

But when you look closer, you see some curious things like an enormous credit limit of $ XXXX and being valid only through XXXX ( just weeks after I received it ). Most insidiously, the card provides a number to " CALL NOW TO ACTIVATE. '' That number is XXXX. A website is also provided for activation : www.notablecapital.com. I did n't go there, but I do see it ranked third on XXXX after two links describing the whole operation as a scam. 

At best, this card will frighten many into thinking that their identities have been stolen. At worst, it is an attempt to defraud people.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-10
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response

Company response to consumer: Closed with monetary relief