BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: HW Holding, Inc
State: VA
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 co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In  XXXX , I opened a checking and savings account with  TD Ba nk in  XXXX ,  In   XXXX   XXXX  I moved to  XXXX   XXXX ,  NC  in which th e TD  Bank in  XXXX   XXXX , NC became my primary bank. I had no interactions with the  TD  Bank in  XXXX , NC over  XXXX  miles away.     My original checking number with TD bank was,  XXXX , this account is now closed pursuant to my request throug h TD Ba nks fraud and/or loss prevention department. The account was closed in the later part of  XXXX   XXXX .     It was necessary to close my account, since I had lost my checkbook and debit card coming home from the hospital where I had been admitted. It is assumed that I accidently left my checkbook in the  XXXX  vehicle that transported me home from the hospital. My debit card was inside my checkbook.     During the conversation wit h TD Bank security fraud dep artment it was advised by the bank that my account remain in no debit status until my social security direct deposit posted to my old account. TD Bank had established a new account.     During this conversation, I was advised b y TD  Bank that no prior authorized ACH debts would be processed, included  XXXX  a prior bi-weekly authorized I had authorized on my old account.  XXXX  was notified that I no longer authorized any ACHs due to the security issue with my account.     Nevertheless, TD Bank without my consent, knowledge ( until after the fact ) or authorize transferred to ACH debits from  XXXX  to my new account. Those unauthorized debts where is the amount of {$31.00} and  XXXX  transactions made they unlawfully debited from my new account on  XXXX   XXXX ,  XXXX .     After becoming informed of these unauthorized ACH debits I filed the appropriate disputes.  XXXX  Bank failed to process my request in accordance to banking regulations. Thus, it became necessary for me to refile my ACH disputes, ( see attached documents ).     Then on  XXXX   XXXX ,  XXXX , TD Bank denied my ACH disputes for the second time. Whereby on  XXXX   XXXX ,  XXXX  or thereabouts I contacted TD Bank as they requested in their letter and I requested the transaction information and copies of any documents they used in the decision.     As of  XXXX   XXXX ,  XXXX , TD Bank refuses to provide me the transaction and copies of any documents they used in their decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: AmeriCash Holding LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from " Dash of Cash '' for {$700.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1700.00} and per the Dash of Cash website I have an outstanding balance of {$570.00}, which means out of {$1700.00}, only {$120.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than XXXX % interest. 
On this loan, that would be the Principal : {$700.00} plus XXXX % interest : {$42.00}. 
Based on XXXX law, I have overpaid by {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
i recently applied for a mortgage with key bank. i went thru the process sending all necessary supporting documents such as XXXX forms for XXXX years and recent paystubs. they contacted me and stated that they survey report came in lower than they expected so they were cancelling the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Account/Loan number XXXX Information about the company Indymac Mortgage Services i have filed a case already but since XX/XX/2016 there is still no response to the complain. 
they have given fraudulent paper regarding ownership of the mortgage. how can there be 2 owners? next the mortgage was in a ny trust and the trust laws where violated and broken! never filed correctly! these are also sec violation and also have irs violations. how can they even be selling my mortgage in a trust that has been paid out on by insurance? double dipping? insurance fraud! these are jusrt a few if the issues and they are trying to foreclose. 

next is the fact i received a satisfaction of mortgage from them? not they are not honoring that? i had received letter telling me this would happen but nothing happened till i told their 1st esq about it and showed them the fraud they were complicit in with the sec fraud and ny trust law fraud. 

next they want me to sign modification paper on # that make no sense! fees added for things again are fraudulent. all the reports have not been received by me but charged out to me. they used unlicensed people to do BPO reports. This is a $ 23-25,000.00 fine for each occurrence. i have 100 's of these. also still have not sent me all the report etc ... ..that they are charging me for! how can they want me to pay for this stuff and the accounting which is totally wrong. it is not my fault they take years to do this and cant get info together yet want to keep charging. 

federal fair trade commission says they have 30 days to get back to me? it is XXXX!!!!! not a letter from them about this etc ... except they now will not do a modification. again how can you do a modification if you cant get doc 's and charges together? there is no correct total then how can you even start a modification? again cart before the horse. 

there is just one thing after another here! they have put me out of business with lies and caused so much XXXX i ca n't even go into it. 

all the paper work was attached to the case still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to resolve this issue with the credit reporting agencies and XXXX XXXX numerous times. This company is reporting 2 identical, fraudulent accounts to my credit report. I have provided an identity theft report and demanded verifiable proof that these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX , {$2700.00 } High Balance, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my  credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received several fraudulent e-commerce charges on my Kohl 's card and promptly called the company to report all of them as fraud and have them removed from my account. I spoke to  XXXX  on  X/XX/17   . The charges were as follows : ECOMMERCE PURCHASES #  XXXX  {$18.00} ; #  XXXX  {$5.00} AND {$110.00} AND #  XXXX  {$5.00} AND {$99.00} PLUS ALL OF THE INTEREST ON THESE FRAUDULENT CHARGES.   I then received a generic letter dated  X/XX/17    that my dispute was received and it was being investigated. In the meantime, I was expected to continue paying on these fraudulent charges. I then received a letter dated  X/X/17    that part of the monies were removed, {$26.00} and have been waiting since then for the remaining credits. And, still being billed and paying for these fraudulent charges.   On  X/XX/17    I sent an email to Kohl 's via their website advising that I was still waiting on the additional charges to be removed and would file a complaint if they were not received. I received a generic email back stating I needed to call, again, to get " more information ''. I just spent over 10 minutes out of my work day to try to reach them yet again to tell them the same thing and could not wait on hold any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house is currently being foreclosed on and I 'm being sued by Arvest Bank. All payments and conditions of my mortgage are current and kept up to date ( i.e. mortgage payments, insurance, hazardous insurance, state and locale tax 's ). I have all my records concerning the payments, tax 's, and insurance ( which are all current ). I have been in contact with Arvest 's attorney but to no avail. Arvest insists I 've made no payment for the last 7 months. Although, I have sent Arvest 's attorney a copy of my cancelled checks but Arvest continues to insist no payment have been made but they still continue to accept my monthly payments. My credit has been devastated by all of Arvest Bank allegations ( from high XXXX XXXX 's to low XXXX 's ). I am XXXX, living on a fixed income and currently attempting to find the money to get an attorney but it 's all so dishonest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2021, I noticed some fraudulent activity on my CitiBank checking account. I reported the fraud to CitiBank in XX/XX/2021 and they said they would investigate. On the account, there was a negative balance of {$4300.00} that was deposited to another account from a fraudulent check. They told me it would take 30-60 days for the investigation which I let them do. I come to find out that Citibank closed my account without my knowledge and then mailed me information to the address on the account that is fraudulent. I never received a call or an email about anything at all. Again the address on file was changed without my consent or knowledge to an Oklahoma address. Now I have a closed account on my credit check and will have debt collectors after me because Citibank did not do an investigation after I sent them letters in regards to it being a fraud.

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 2017-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Upon reviewing my account online with Penfed, I noticed that they had closed my XXXX credit cards. I immediately pulled my XXXX credit report and noticed that none of my credit accounts appeared on my XXXX credit report anymore- including Penfed & XXXX XXXX . I contacted XXXX and filed a complaint with the CFPB against XXXX. 
XXXX said that my credit file had been mixed with someone else and there was a ton of bad accounts listed that belonged to another person with the same name. XXXX has stated that they have now corrected my credit report. I sent Penfed a letter stating that my XXXX credit report had been mixed with someone else and to please reconsider their decision to close my credit cards. I have been a very good customer to Penfed. I am very disappointed that Penfed never mailed me anything stating that they had closed my credit cards and had to find out from visiting my online account. I am even more disappointed that Penfed completely ignored my letter requesting reconsideration. This very unfortunate situation can happen to anyone. I can not control how the credit reporting agencies handle or mishandle my credit file. XXXX has assured me that everything has been corrected. After this fiasco with Penfed, I contacted XXXX XXXX and explained the situation with XXXX mixing my credit file with another person. I have a credit card with XXXX credit limit with XXXX XXXX and did n't want to go through the same situation with them. 
XXXX XXXX was so great and they are standing beside me. I thought Penfed would do the same but I can not even get them to respond to my letter. I truly enjoyed my relationship with Penfed and was proud to be a member of Penfed. 
I have family members and friends that have been with Penfed for years and they are shocked that Penfed is not responsive to me. According to them, this is not typical of Penfed. So I am left confused as to why I am having such a negative experience. I have handled my Penfed accounts responsibly and I truly value my relationship with Penfed.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer report.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft which is reported on  XXXX  of  XXXX  credit bureau 's  XXXX   XXXX  given all the required documentation proving identity theft refuses to remove the in accurate charge on my credit report

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 2021-10-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company Midland funding entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXXXXXX  in XX/XX/XXXXXXXX  I check my credit and same company is trying to collect on same debt I called and Midland is claiming that this new dept. from XXXX  and reported in XXXX False False

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX  on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX XXXX XXXX  whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded XXXX XXXX that they were in violation of the HIIPA Laws. XXXX XXXX could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which MBA Law knows and XXXX XXXX XXXX. I spoke with MBA Law who could not validate the bill but stated if I show proof of insurance for the time in question MBA will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. MBA bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked MBA Law to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with MBA Law or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a negative account on my credit report for {$34.00} in regards to some kind of medical treatment if anyone checks and researches my medical history they will see that I have medical insurance for the past ten plus years so I 'm not understanding how I can have a medical bill that is legal enough to put on my credit report how can a company charge you for services not rendered then hold you responsible for whatever they choose to put it on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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:
On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation