BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-13
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent midland credit management this document certified mail and midland credit management did not send the requested documents asked for in the validation request I mailed. Midland credit management sent me a document that was typed out on a plain piece of paper with Midland credit management logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Midland credit management. Anyone create anything from a plain piece of paper. The response Midland credit management sent to CFPB is bogus! I know my rights as a consumer! XXXX XXXX  is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Midland credit management has violated FDCPA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a dispute in XX/XX/XXXX-XX/XX/2015 regarding disputing late fees and was told I would not be required to make a payment until the issue was investigated. due to this a late pay was marked on my credit while in dispute. This company has been a nightmare to deal with and they DO NOT have a phone number that they provide or is listed to their corporate office which is where each rep I have spoken with states I need to talk with. I have been promised several call backs from their corporate office which have not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This card was created and charged at a dental office. I was quoted a price of XXXX dollars for services and told that they had a credit card I could apply for there. XXXX is the place. anyway while i was under XXXX they had me sign some papers. when I received the first bill it said XXXX or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more XXXX that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had charged the credit card. I was angry and refused to pay the credit card for awhile but then i didnt want my credit to be ruined so i agreed to large payments each month till i paid off the principle because i didnt know what else to do. but now they want the interest for the year i refused to pay and i dont feel i should have to pay that. because i was lied to, to begin with. that was in 2014 and they have turned it over to a collection agency and they keep posting it and its dropping my fico and credit score. I pay my bills, and im XXXX on time, I hate this situation but I refuse to pay for something i never agreed to from the beginning, even though I did pay the principle in which i think that was theft to begin with. please help if you can.. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CONSTANT PHONE CALLS ARE BEING MADE TO THIS NUMBER WHICH IS MY FAMILIES NUMBER NOT MINE. I HAVE TOLD THEM TO STOP NUMEROUS TIMES AND THEY CONTINUE TO KEEP CALLING. THEY ALSO CALL MY PHONE NON STOP

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 2016-08-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Should n't companies like Amazon who uses Synchrony Bank to issue their credit cards use the XXXX credit bureaus in checking credit reports? This bank - Synchrony Bank did not use the credit report of the XXXX credit bureaus but instead uses this company when consumers apply for an Amazon credit card. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2016-02-28
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RPM has continued to harass me after i have asked them repeatedly to stop, the company bought a debt from another debt collector that is mine, the debt was fraudulent for an account i did not open, i advised the previous debt collection company off this and now this company, keeps trying to collect the debt i told them to stop calling and they have continued to call my house and harass me, the representatives have been nothing but rude, they have yelled at me they have hung up on me and have transferred me back and forth into circles.

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 2016-05-27
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I started school out of state in XXXX. I also attended school in state XXXX. I accumulated $ XXXX in student loans. I began paying on them XXXX XXXX. I received capitalization of a total of {$6000.00} bringing the amount owed from XXXX to {$30000.00}. Paying a total of $ XXXX month for XXXX loans, XXXX XXXX, the balance is still {$30000.00}. I call Great lakes ( they handle for the loans Dept of Education ) and they say im paying {$4.00} in interest/ day. So only about {$60.00} is going towards principle. 

Almost a year has passed and my loan is at the same balance. Something needs to be done about this student loan interest. I am on autopay so, 0.25 % of interest is supposed to be reduced, and im still paying $ XXXX day in interest. How am i supposed to pay my loan back if im getting {$150.00} a month in interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Application processing delay

Complaint:
On Saturday XXXX XXXX 2016, I went on-line to transfer $ from my TD savings a/c to pay the O/S balance on my TD CC. The payment amount immediately was deducted from my savings a/c, but 2 days later still has not been credited to my CC ... .effectively denying me the use of the at money for 2 days. This appears to be a standard practice of TD, and if applied to all payments, could involve huge sums. TD effectively is using our money, ( overnight money market? ) without our approval. Do all banks do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: GREAT LAKES
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is attempting to collect a debt from me that I never establish a contract with this company nor do I owe any money to this company they are violating the FCRA and placed negative reporting on both my XXXX and XXXX reports for amounts of XXXX and XXXX. This debt is not collectable. These student loans were consolidated and I was never late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am filing a complaint against TD Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Several customer service representatives and supervisors have unfairly, unprofessionally, misled and misinformed me about how to avoid overdraft fees. Only the last XXXX supervisors that I spoke with fully informed me how to avoid overdraft fees and even both of them had slightly different versions of how I can avoid overdraft fees. How am I suppose to avoid overdraft fees if I 'm not being properly informed by TD Bank 's customer service representatives and supervisors? I followed what I was told and directed to do and I still get hit with overdraft fees. This is seriously unprofessional and unfair to me because all I did was what I was instructed to do by several TD Bank 's customer service representatives and supervisors. I would like for your agency to review all of my recorded customer service conversations so that you can hear how many different, incorrect and incomplete versions of how to prevent overdraft fees I 've been told by TD Bank 's consumer service representatives and supervisors. Even if I read and signed TD Bank 's overdraft fees policy when I first opened my TD Bank checking account, I should n't be told different or incomplete misleading and misinforming versions of TD Banks overdraft policies, especially from TD Bank 's own customer services representatives and supervisors. I just figured and was falsely made to believe that TD Bank 's overdraft fees policies had changed based on the incorrect, unfair, misleading and misinforming information I received directly from several TD Bank customer service representatives and supervisors. A TD Bank customer service supervisor supposedly reviewed all of the recorded conversations between TD Bank 's customer service representatives, supervisors and me and that same TD Bank customer service supervisor concluded that I was fully and correctly informed and that nothing incomplete, misleading or misinforming was ever told to me in regards to any TD Bank 's overdraft fees policies by any of the TD Bank customer service representatives or supervisors I spoke with. To this moment, because of all the endless different versions I been told or received or also because of the lack of information provided by TD Bank 's customer service representatives and supervisors, I still do n't know what are the real and correct overdraft fees policies at TD Bank. Plus I had to endlessly plead with and almost beg the last TD Bank customer service supervisor I spoke with to have someone look into my complaints and unfairly and unprofessionally no one has ever called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: Cedars Business Services, LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.

Company response to consumer: Closed with explanation