BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: ERC
State: PA
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 had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved. 

Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved. 

Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice. 

XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!

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 2015-09-16
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Stearns Ventures, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my money.

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 2016-08-11
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX ( NOT SURE ), SAYING SHE JUST GOT THE COMPLAINT TODAY AND WANTS TO KNOW IF THIS WAS INTENTIONALLY IGNORED OR OTHER SITUATION. NEED TO CALL THEM BY XXXX. AFTER THIS, THAT WAS THE TIME AUTOMATED MESSAGE SAYING IT IS AN ATTEMPT TO COLLECT A DEBT BY DIRECT RECOVERY SERVICES. 
AND AFTER A FEW MINUTES CALLED ONE OF THE NUMBERS ON MY CELLULAR ACCOUNT WHO IS NOT EVEN ON ANY OF MY CONTACT INFORMATION SAYING THE SAME EXACT THING.

Company response to consumer: Closed
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. 
Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. 
It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.

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 2016-10-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Reserved an suv rental car at XXXX of XXXX in XXXX 2016. Upon arrival to pickup rental car, XXXX had run out of vehicles and had to fetch anything from another lot. After departing the lot, I realized the vehicle had some mechanical issues. Whenever I let my foot off gas it stalled- This caused me to almost get in a collision while merging on the freeway. I was close to my hotel so parked the vehicle and called/emailed XXXX to get a replacement as I was scared to drive the vehicle as I felt it was unsafe. XXXX did not respond during rental period. I had to take alternate transportation ( XXXX ) instead and provided receipts to both XXXX and my bank wells fargo. ( car rental was paid with wells fargo debit card so I disputed transaction ) Upon time to return the vehicle no one had contacted me so I drove straight back to rental facility. When I returned the vehicle, I told attendant about the problem. XXXX contacted me after my return home and offered a free one day rental of which I told them that was unacceptable considering the vehicle was not safe.I have been issued a provisional credit by wells fargo but they havent taken any action on a permanent decision

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was signed up for the Wells Fargo Identity Theft Protection Plan on XXXX XXXX, 2010 and I do n't ever remember signing up for this service. I am charged {$15.00} a month and it dates back over the past 6 years. I went into a Bank and the woman was rude and would n't help me or let me talk to a banker when I asked and when I called the number the man would not help me figure out how I was signed up for the service.

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 2016-08-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX veteran for 5 years. I live in a condo which Wells Fargo is foreclosing on XXXX XXXX, 2016. I have tried explaining to them I am awaiting on a decision on my appeals with Social Security XXXX and VA ( Veterans Affairs ). All I ask is to stay in the home until a decision is is reached but Wells Fargo is going ahead with the foreclosure sale. I tried to do a short sale but again there is a wall up with Wells Fargo and they will not allow me to do any of the above suggestions I just mention. I no other place to go. I have no money. I am confused and at a l lost as to what to do when it comes to my mortgage and keeping 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 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, 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 2015-11-25
Company: BMW Financial Services NA, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 I purchased a XXXX BMW 528i from XXXX BMW of XXXX through their " Owner 's Choice '' finance program. Before visiting the dealership, I researched the lease specials available and intended on leasing a vehicle ; in fact, until I spoke with the Finance Manager, all payment terms discussed with the sales representative and sales manager were, as I understood, lease payments. After we came to what I felt was a satisfactory payment amount, I was sat with the finance manager who explained the " Owner 's Choice '' program to me. He explained that the differences between " owner 's Choice '' and leasing were : -The vehicle would be titled in my name, allowing me to reap tax savings should I trade the vehicle in-Instead of a residual, there would be a balloon payment at the end of my 36 month termI work in Consumer Banking Compliance and specialize in Consumer Lending, so I had a solid understanding of everything that was explained and decided to move forward. I elected to go with a XXXX mile per year lease as I was under the impression that I would be able to purchase miles during the term of the loan at a discounted rate ( I believe {$0.00} per mile as opposed to {$0.00} is what BMW charges lease customers ). 
I contacted BMW Finance and attempted to purchase additional miles and was informed that I could not do so with the " Owner 's Choice '' program ; the rep stated this option was only available for lease clients. I feel that this is unfair : the " Owner 's Choice '' program is something unique to BMW, and consumers have no reasonable means of understanding the nuances of the program other than through the dealership staff and loan documents. I reviewed the loan documents thoroughly and it does not state that customers can not buy additional miles before the end of the term at a discounted rate, as you can do with a lease. Had I known this at the time of origination, I would have chosen XXXX miles per year. I feel this is a UDAAP, and I can only imagine how many other consumers have been blind sided by the failure of disclosure by BMW. Most consumers are not nearly as familiar with the complexities of consumer lending as I am, and I feel that at a minimum this major difference needs to be both explained to the consumer at origination and documented. Being able to purchase miles during the term of a lease adds a great deal of flexibility to the lease transaction, and that flexibility has been taken away from me by BMW and I will suffer financially as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have recently initiated an International Wire transfer ( XXXX ) in my bank by filling in the Foreign Wire Request Form. It was accepted by a bank rep. It was on XXXX XXXX. Date the transfer should have been available to recipient is XXXX XXXX. As of today, the transfer has n't still reached them. In my bank they say the transfer is complete now. They called to double check the last name of the recipient saying their correspondent bank have probably made a mistake there. 
Yesterday, I asked them to open an investigation request to check the current status of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: ERC
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 have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
someone wrote me a bad check. the bank deposited it, the money was there for 5-7 days. Then they took the money out of my account, overdrafting it as well. so i fixed it all. they got their money back and i continued to deposit again. Then they froze my debit card. So i went to the bank manager, at Charter one bank in XXXX ohio, and she said there was nothing wrong with my account and got me another debit card. It worked once, then they froze all of my money in the account. i did nothing wrong and i need my funds desperately. i just want to close the account and they wont let me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01
Company: KEYCORP
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I began receiving emails from KeyBank in XX/XX/XXXX of this year. I do not have an account with KeyBank nor have I ever heard of them. 
In the email, it stated, " Your Account Has Been Accessed From An Unauthorized Location. Your Online Account Needs Verification Ensure to comlete the verification process correctly to avoid a permanent block on your account. For security reasons imcomplete profiles will be blocked indefinitely ''. 
This was followed by a link to sign into online banking. I did not click on the link but there was a toll free customer service number, XXXX, which I called XX/XX/2017. The system was automated and I was told to enter either an account number, debit card number, or a social security number which I did not do. Once I was able to speak with a representative I was told to disregard the email and throw any mail away. I again explained how it came to me via email and I did not want my email associated with any account with KeyBank. She asked for my email address and name. I provided this information to her. She did not ask for any other contact information. I was told my concern would be escalated but in the meantime not to reply to any email or click on any link in emails received. She also stated they were having issues with fishing emails. 
I have not received any communication from KeyBank since this date. I need to be sure this was taken care of. This is the second of three different companies I 've received emails from concerning a bank account I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Consumer Adjustment Company Incorporated
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.

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