BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted about debt that is not 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 2015-09-15
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: STERLING JEWELERS, INC.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collection is for a XXXX XXXX. 

My wife XXXX XXXX XXXX was married to a XXXX XXXX - who died 17 years ago - they had NO children together! XXXX XXXX is a child of XXXX from a previous marriage that was divorced. XXXX former wife had custody of XXXX My wife and I have been married for 15 years. I have never met XXXX and my wife has never had a relationship with XXXX - even when she was married to XXXX! 

We get harassing phone calls from debt collectors for XXXX XXXX and her husband - Daily! on both of our phone lines! We have requested they remove our contact info - but this stops for a period and then restarts. the caller harass us and threaten us - the only info I have for the collection company is - Capital Accounts, XXXX XXXX, PA - phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. 

I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. 

I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. 

This is my last and final attempt to resolve this issue with Consumer Portfolio services. 
This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. 

I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. 
I have also attached copies of my police report concerning identity theft and Identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a American Express business card since 1995 and the interest rate was okay and I always paid on time. Now they have jacked the interest rate and make this bill almost impossible to be paid off. This is wrong and I do n't need this card anymore. I do n't have the business anymore. They are charging XXXX a month in interest. With interest being at a low for a long time I never realized they were charging that kind of interest. Please advise what to do with this kind of practice. It 's a crime to be treated with this kind of billing practices. You can never paid this off with regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
midland credit management # XXXX has been calling our home for months now XXXX times daily also on sat. and sun.. the caller id gives on name other than toll free. this is very upsetting getting constant calls when we have very ill family members. They never say who or what they want. We have no debt owed to anyone so whoever they want must have given our phone # at some point. We feel this is invasion of our privacy and mental harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account donot belong to me at all and i would this removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
They 're ripping people OFF!! 18 % interest total for car {$25000.00} and change. I will be paying {$41000.00} after 6 years. Did n't really know what I was doing, I wanted to get a car on my own and I got qualify through them but after I figure out everything, I realize they were ripping me off and it was already too late. These people have no common sense and something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Benuck & Rainey, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
called my cell phone with out consent, and did not give the whole foti message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I experienced a hardship in XX/XX/XXXX when I lost my job and then divorced in XX/XX/XXXX. This resulted in a prolonged financial hardship and I contacted my lender Citimortgage and requested assistance. I was advised that I could not qualify as I was not in default and was told to stop making payments by an attorney in order to meet the program guidelines. I had returned to work in XX/XX/XXXX and was in a position to begin making a modified payment. After a prolonged period of submitting and re-submitting documents as they were requested I was denied for modification even though I had been approved for hardship assistance under the State of Nevada 's HHF. A Notice of Default was recorded on my home in XX/XX/XXXX. I attended mediation in XX/XX/XXXX, under Nevada 's FMP and the notice of default was cancelled due to the lender 's failure under the FMP rules. XX/XX/XXXX I sought assistance from XXXX Housing counselor and began the process of review for loan modification again. During the time that I requested assistance I received multiple denials including letters that identified my loan as ineligible under multiple programs including 1 ) Private Supplemental program ; 2 ) VA HAMP ( loan is not VA ) ; 3 ) HAFA Short sale option ( I did not request ) and 4 ) Lack of contractual authority as investor is XXXX XXXX. Each time the modification was denied I was advised to reapply but was never reviewed based on my ability to repay. In XX/XX/XXXX another Notice of Default was recorded and a mediation hearing was held in XX/XX/XXXX and once again the default was cancelled due to lender failure. 
I have been trying to preserve my home for myself and my XXXX children who live with me. I have had the ability to make payments since shortly after this process began and my only goal is to keep my home and honor my commitment to meet my obligations. Citimortgae has made this process incredibly difficult and I have done everything that they have asked. It is my understanding that as The XXXX XXXX is a Government Sponsored Entity that falls under the oversight of the Federal Housing Finance Agency that is does or should participate in loan modification resolutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: AFNI INC.
State: TX
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 reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: NATIONWIDE ACCEPTANCE LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: U.S. Auto Credit Corporation
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.

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 2015-05-11
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: ESCALLATE, LLC
State: SC
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 asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2016-12-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a certified letter last Tuesday, XX/XX/2016 that my savings and checking accounts and my son 's savings and checking accounts, which I am a co-signer, were being closed on XX/XX/2016 and that our ATM cards were being closed on XX/XX/2016. I called the XXXX number on the letter and left a message that someone would call me back. When they called back, they said it was a business decision, no other reason was offered. I stopped at my local bank to see if they had an answer and they could not find anything. After running around to get all my direct deposits changed to a new bank and making sure all my bills were covered, I called the number again asking for a supervisor, manager or someone who does not just answer the phone with a book of basic, obscure answers call me back. After two unsuccessful messages, someone called me back and gave me the same answer, " it 's a business decision. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-23
Company: Southwest Credit Systems, L.P.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have started receiving repeated phone calls, and the caller leaves a message stating that they are a debt collector and that I must call them at XXXX. I have never received any written communication from this company.

Company response to consumer: Closed
Consumer complaint received 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?

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