BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received a collection notice in the mail and I am disputing the validity of this debt. I have already cleared this confusion in 2018 with proof of receipts from XXXX that shows I turned in the equipment for XXXX XXXX. The return receipts include date, time, XXXX store address, and the equipment numbers for everything I returned. If XXXX lost the equipment, that is their problem not mine. When I contacted XXXX XXXX about this invalid debt two years ago, the customer service rep told me they received the equipment and will update my account. But just recently, I get threatened with a collection notice. Take my account out of collections or I will sue you. By the way, I mailed a certified letter with the return receipts to you yesterday. So I will know when you receive it. And it is attached to this complaint. Don't play games with me. You will lose.

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 2017-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car back in XX/XX/2020 and was told i was going to receive my title two weeks after. I called several times including last week for the last time and they keep saying the lien hold was taken off but it wasn't. Ive gone to the dmv and XXXX a total of 8 times where i had to take off time of work many times. I have reached out through email, phone and the company always says the same thing. I dont know what to do i need my title

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family has been financially effected by covid 19. Bank of America offered a forebearance, in the form of a pause, that we opted into, with the understanding the outstanding payments would to the end of the loan. 
The bank has called every 3 months to renew the forebearance. On XX/XX/XXXX, the rep called to check in and to continue the forebearance. I asked again about the skipped payments and the rep, once again, told me it would be going to the end of the loan. 
XX/XX/XXXX, I spoke to a rep and was told the forebearance would expire at the end of XXXX. Then I was asked how I want to repay the deferred payments? I told the rep what I had been told, several times, and they said that was wrong. 
Bank of America reps give the customer information without documenting the conversation. I thought what the rep said was correct. I'd ask for someone to go back and listen to the recorded phone conversations I had with the reps. If I was given wrong information, I should not be penalized. 
I am trying to figure out how I am going to make my regular payments moving forward, and now they are asking me to pay the {$19000.00} + over a 6 month period. 
This is not right. My family is struggling and I made a decision based on what a representative from Bank of America told me.

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 2015-07-01
Company: DISCOVER BANK
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I called US Bank to inform them I had received a letter from XXXX county stating my property tax had no been paid on time ( due XXXX XXXX ) and they had already added a penalty onto my total amount due for the third installment. Another installment has been late again as of XXXX XXXX. I have called US Bank about 10 times in the past 30 days trying to have them to pay my property taxes since I pay escrow every month and have never been late with a payment. XXXX county has the right to put a lien on my home if the bank does not pay the tax. I am being treated unfairly, ignored, and seem as if we are a joke to this bank. This is a VA loan and this is how they treat veterans. They dont care that a family could lose their home for there irresponsible actions as a mortgage company. I want my 3rd and 4th property tax payment paid for immediately.

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 2016-11-01
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Stuart-Lippman and Associates, 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 is not mine

Complaint:
I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX has responded. I am asking that you have Equifax and also XXXX DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Credit Card Receivables Fund Incorporated
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. I believe the bank is knowingly sending out mortgage statements late. Last month it came on XXXX XXXX for Payment XXXX XXXX XXXX. ( was told 3rd party does mailing ) 2. Is assessing late charges for bank error. 
3. Is deliberately dismissing complaints by making it impossible to get assistance by phone through their Customer Care line. Must write for assistance. 
4. Sending out form letters denying customer issues without looking into the situation. 
5. Takes no responsibility for even the possibility of a bank mistake 6. Has a policy of " stonewalling '' the customer so they can not resolve an issue 7. Does not call customer when requested to do so 8. Has no one available at the branch to advocate for client - local banks have no mortgage information and can only contact Customer Care on client 's behalf. 
9. Claims they post payments on the day they are received ( I hand delivered a payment on XX/XX/XXXX to the branch - but the payment was not posted until 5 days later. )

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 2021-03-09
Company: EQUIFAX, INC.
State: CA
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:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Revenue Recovery Bureau (Closed)
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Payment was refused at check 'n go mailed in additional payment check date XXXX. 
Amount of Claim : {$550.00} Late Payment Amount : {$580.00} Account currently in collections XXXX XXXX who is also avoiding. 

XXXX Branch Closed XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: FISERV INC.
State: NV
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 Letter of Notice of Unpaid Electronic Fund Transfer from TRS Recovery Services. Reference Number : XXXX. When I contacted them, I could barely understand the customer service agent to dispute the charge and request copies of all documents. I was told to send in a online request. When I attempted to fill out the form online, all the form did was error out when I submitted. The CSR told me to call the financial institution of the alleged account. I don't have an account with that financial institution, so their fraud department was unable to assist. I also called TeleCheck Services Inc., and they were unable to assist since I'm not in the system. This business wanted my personal information for some reason without providing copies of the debt they say I owe. 
When I contacted the local police department of the incident, the officer wanted information was was not provided by TRS Recovery Services. 

TRS Recovery Services & TeleCheck Inc. believe you are guilty until I clear my name. I will not provide my financial information any personal identifying information until TRS/TeleCheck provides documentation of a debt. 

TeleCheck may not approve my checks at stores and financial institutions according to the collection letter. Even though it's not my debt. 

I AM DISPUTING THIS 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 2021-03-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2020, My TD Bank accounts were hacked and drained. It started with a call from the TD Bank fraud alert number calling me. I verified the number and was ( what I thought ) assisted by a fraud employee. After following what the fraud employee told me to do, ALL MY MONEY WAS STOLEN!!!! To make it even worse, I went to my local branch in tears. They filed a complaint for me, I went to the police dept. and filed a complaint as directed. Pictures of my phone were taken and verified it WAS TD Banks number. The bank found ME at fault. I refiled the complaint per my XXXX, Ma Branches direction. I again was found at fault. TD Banks response was that I agreed to the hackers requests. I stated that IT WAS TD BANK THAT I WAS ON THE PHONE WITH. Td BANKS RESPONSE : But it was a phishing call!!!! Sorry there is nothing we can do. HOW WAS I SUPPOSE TO KNOW THAT???? 
I have been with the bank since they opened. Nothing they can do to help me???? I am floored and very disappointed with the response and assistance I have received. I am a XXXX and I work 2 jobs and place everything I work for in the hands of TD Bank for what??? 2 WEEKS BEFORE XXXX, I LOST EVERYTHING I WORK FOR. They again told me today per the Leadership team, that I agreed to the withdrawals. I again explained that the calls were from TD Bank. XXXX ( Bank rep ) stated that TD Bank would not have called me like that. I do not know where else to turn. 
Please help. 
Thank you for your consideration in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation