BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: Navient Solutions, LLC.
State: OH
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:
For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth

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: Westlake Services, LLC
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Obtained a car loan from Westlake Financial Services XX/XX/XXXX. This company called my family, and my boyfriend continually over late payments made. They called my cell phone the day my payment was due to ensure I was paying. They repossessed my car XX/XX/XXXX, and never sent a notice of sale of the car. This company is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CFM Group LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls me three to six times a day even after telling them I can not make payments due to lose of work over XXXX. I admitted that I may not be able to make payment arrangements and may have to file for bankruptcy. I still get called three to six times a day from XXXX to 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 non-monetary relief
Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I felt forced in the last minute to pay a rate lock extension of {$810.00} because the appraiser selected by the bank ( Wells Fargo ) took almost 2 months to provide the appraisal. If I did not select the rate lock, terms would change and the whole process would be delayed for at least another month.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trades Commission Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-08-18
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I believe the steps taken to ensure a timely close were severely mis-handled by my lender, Veterans United. 

The targeted closing date of XX/XX/XXXX was decided on XX/XX/XXXX ( an attached email shows this ), a Saturday. Communication of the closing date was given to Veterans United on XX/XX/XXXX, a Monday. Prior to this, Veterans United had the credit report, employment verification, rent verification, salary information, and alternate tradeline information of both myself and co-purchaser for over 1 month. 

As of XX/XX/XXXX, we are unsure if we will be able to close due to the length of time it has taken the title company ( XXXX XXXX ) to return the title clearance. ( Various attached emails show this. ) Our loan file must go to the Veterans Administration for a final review before we may close. This could take up to 10 business days. This leaves a large possibility for our close deal to fail. 

I am filing this complaint because I feel Veterans United waited much too long to get the procedure started with the title company. 

Veterans United did not tell me of this uncertainty until I asked about it specifically on XX/XX/XXXX via phone call.

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 2016-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
for the last month I 've received in the area of XXXX phone calls a day from capital one auto-finance ( XXXX ) asking for someone by the name of XXXX. this is not me. I have told this to them at least 20 times. they still refuse to stop calling me. it is taking time away from my employment and costing me money. is n't there a law in place to protect people from harassment from these companies. any help with this matter would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08
Company: AFNI INC.
State: IL
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 never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Capital Markets Cooporative, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all in advance!

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 2015-08-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
At the beginning of my loan I made each payment on the scheduled date and payment amount until I became in default on my loan after becoming XXXX in XXXX 2014. Upon my release I have made a good faith attempt to bring my loan current. Santander continues to call and harass myself as well as my family regarding the standings of the loan. I have contacted Santander by phone several times requesting the past due amount and tried to work out payment terms that were both convenient to myself as well as their company. Each time I have spoken with one of their representatives I have been given conflicting past due amounts. I have now been slammed with so many fees that there is no way that I can bring my account current with no explanation of what the fees are for. This company also continues to report this account to the credit reporting agencies as a charge off and have not reported my payments or account history correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
Since using the service it appears my credit improved then when i stopped using services i have not been able to get a school loan or car due to unknown activity as the result of their services at Lexington law firm credit services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraudulent charges were made on my Macy 's card XXXX 2015. Despite repeated phone conversations and documents filed, the Macy 's credit department continues to treat us as deadbeats, and they call us repeatedly for payment. Each time we talk to the fraud department, they claim they have no knowledge of our dispute. This week marks the third time we have sent in a fraud claim form.

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 2015-10-13
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Rental a condo in XXXX Fl made 1st half payment of XXXX on XX/XX/XXXX made final payment 7 days of arrival on XX/XX/XXXX made payment through XXXX - contacted resort on XX/XX/XXXX to verify my reservation and I was told the condo unit didnt exsit I reached out to Wells Fargo immediately advised them I was scammed, Wells Fargo said because its more than 60days they wont give me my money back.

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 2016-05-19
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from the revenue group is continually calling me from XXXX and saying I owe money but wo n't tell me who unless I give him my date of birth and social security number. I have told him to stop calling or let me know who I supposedly owe money to and he refuses. He says that they have sent me several letters explaining the debt and we have not received any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Medical Data Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a phone call at my place of employment today and there was a voicemail left for me. I returned to call to find out they are attempting to collecting a debt for a visit to an emergency room. I informed them at the beginning of my call that I received a voicemail at my place of employment, after he explained what the debt was for I asked to not be contacted at work and that I would make a phone call myself to the company after I am out of work. He declined to acknowledge they were contacting me at work and asked how I would be taking care of the debt, which I informed him again I was at work and would discuss this at a different time. The collector then informed me I had 13 months to discuss my debt and have yet to do anything. I simply hung up after that statement.

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 2015-07-06
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA.

Company response to consumer: Closed
Consumer complaint received 2016-02-04
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have no knowledge of this debt and I did not receive any communication on this outstanding Medical bill and did not receive notice of my rights to dispute this debt before it was added to my Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a negative account in which I do n't know about on my credit report for XXXX. I am not familiar with this account and it does not belong to me. It 's for almost XXXX and I have no idea how this mix up happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Chase Bank is reporting a negative charge off account on my credit report. I have never owned this account and I am not sure why it is on my credit report. I tried disputing this debt with the credit bureaus and I have not seen results. Please look into this account. 
I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank has charged me {$740.00} dollars in overdraft fees this year alone. After complaining and threatening to close my account, they refunded me XXXX of these overdraft fees. In total, they have taken {$570.00} in the last year alone. Due to their predatory ways, I closed my account with them on XXXX/XXXX/2015 by sending them a message to close the account ( as is allowed per their website ). However, they never did close my account and allowed several other transactions to post. Yesterday, XXXX XXXX, 2015 XXXX transactions posted, totaling {$48.00}. In order to avoid the overdraft fees, I deposited a check from the bank I am currently using into my account on the same day. However, as they do, they still charged me XXXX {$34.00} fees. Now I owe them {$64.00} in overdraft fees for {$48.00} transactions. I have contacted them asking them to refund the fees, but they will not. Nor will they close my account. The fees are not valid because first of all, my account should have been closed, and second of all, I deposited funds into the account on the same business day to prevent the overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was having financial difficulties so I contacted the loan company for a repayment plan. The adviser gave me a repayment plan and a recertification date of XX/XX/2017. XX/XX/XXXX I received a notice that stated my plan ended and my repayment amount changed. I called twice and chatted online to see why. Each time I was told my plan ended because it was added at a later date than my other loans. This did n't make any sense because I applied the repayment plan to all of my loans. I was advised all I had to do was complete a form to recalculate my payment. I received the form prefilled by the previous agent. I signed the form and attached my proof of income. I never received an update so I contacted the company. Now I 'm being advised I did not complete the form correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: State Collection Service, Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Consumer Portfolio Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consumer portfolio services calls repeatedly thoughout the day within 10 minutes of the previous call. I understand a debt is owed but I feel the number of calls per day is considered harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never resided at the address listed as XXXX XXXX XXXX XXXX, XXXX MS . I helped a fellow government worker move their belongings there as they were in need of assistance to care for their XXXX children while transporting their goods. I need this corrected immediately as I am receiving a bill from a company I did not do any business with. I only stayed with this individual for a month while they got situated working for the XXXX XXXX XXXX. Please delete this line item 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 non-monetary relief
Consumer complaint received 2017-04-28
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i had signed up for   XXXX   XXXX   but i never completed or attended any of the classes. now they are charging with {$1600.00} at that they changed the open date to  XXXX   XXXX   XXXX  i signed up for   XXXX   XXXX   in  XXXX

Company response to consumer: Closed with explanation