BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I found out in XX/XX/XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

Company response to consumer: Closed
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Spoke with XXXX 3 days ago and told him I didnt make or authorize these inquiries on those dates. He said he has a legal right to publish them regardless of my complaint and I cant record him while I tired to correct the issues. He also hung up on me n blocked my number from a live USA rep. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2016-03-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge.

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 2015-11-03
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report. 

On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This company added to credit report XX/XX/XXXX and shows placed for collection on XX/XX/XXXX.This is not true as I have copies of all of my credit report from this date til now and I have never received any phone calls or letters from this company regarding my debt with this company til now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: OLD NATIONAL BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We had an ACH come in from XXXX into our Checking Account at Old National Bank for {$10000.00}. ACH funds are available immediately. Old National Bank has put a hold on these funds and refuses to release the wire proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is 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 2015-11-24
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for Nationwide Biweekly in XX/XX/2014 to save money on my mortgage loan. My husband and I decided that we could handle our payment the same way Nationwide does so I called to cancel the service in  XXXX. The representative told me that I could not cancel because they have not collected the service fee yet. She told me that if I call back after XXXX that I could cancel. I had no idea there was service fee and I was shocked when she told me it was a whole mortgage payment. If I had known about this fee I would have never signed up for the service. I believed that the two extra payments from XXXX and XXXX would go directly to my mortgage as an extra payment, not a setup fee.  I recently got an email from Nationwide saying my account is "temporarily" cancelled because they lost their agreement with their bank.  I have tried contacting them through email and over the phone. I haven't got a response through email and whenever I call customer service it says they are experiencing high call volumes and to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: AFNI INC.
State: CO
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:
I 'm very upset with Afni Collections. I have disputed this account on XXXX separate occasions and to date have not received any validation. I contacted Afni trying to pay the account in full if they could help me with my credit. I advised that I was in the process of purchasing a new home. The reporting Afni made has jeopardized me in purchasing a new home. I spoke to XXXX different managers at this collection agency and NONE of them would help me resolve my account and help me with my credit. I originally had an account with XXXX XXXX and XXXX XXXX that was bundled. I paid the XXXX portion and thought this was paid in full. I never received a final notice or bill from XXXX XXXX prior to them sending me to collections. I just need help and no one will take the time to help me resolve this collection. If I would have received a final notice from XXXX XXXX then I would have paid the bill before it made it to collections. 
My children are suffering in the current housing situation we are in. There is just not enough room for XXXX of us and now my rent is being raised and AFNI will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank will NOT let me close my account even though it has been no charge for the checking account and now Regions Bank has charged me a monthly fee without using the account. I was waiting for the direct deposit to start depositing into my new bank account to close the account. Now I presume they will keep charging me a monthly fee b/c I have a negative balance ( monthly fee charged without letting me know they changed my account from a free account to a monthly fee account ). Regions Bank on XXXX XXXX in XXXX, LA ( XXXX XXXX ). 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Financial Filing & Reporting, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated automated calls from a company called True North on my landline answering machine. The number is XXXX. I called once and the agent asked from personal private information, which I did not give. When I offered to give the phone number that I have been receiving calls, the agent hung up on me. I stopped receiving calls for about two weeks and am now receiving calls, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a modification of my mortgage with Flagstar Bank. This modification was approved and I received the paperwork to sign and return. When I received the paperwork, Flagstar was requesting XXXX in closing fees to complete the modification. I do not have XXXX. I called the HOPE counseling service and ask for help. The counselor and I did a conference call with Flagstar and she requested an accounting for the XXXX. They clammed up, said it was an error and it would be fixed. I have since heard nothing from Flagstar. I want to get this resolved asap. ( and while on the phone with the HOPE counselor and Flagstar, I received XXXX telephone calls from Flagstar demanding payment THAT day. 

I am at a loss and do not know what else to do. If I had XXXX in the bank, I would n't be behind with my mortgage. 


SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: I.C. System, 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:
In XXXX of 2012 while I was in an unemployed status a young lady, XXXX XXXX was going door-to-door in our neighborhood trying to sign people up with XXXX XXXX. Since I was out of work and was looking for ways to save money, I was interested in what she had to say. My only problem was that I was still under a contract with XXXX XXXX and I told her that and she assured me that I would be receiving a Visa gift card in the mail as a bonus for signing up with XXXX XXXX that I could use to pay any cancellation fee with XXXX XXXX. Since their rates were a little less, my husband and I decided to go for it and signed a contract. I had to call a number to confirm that we had agreed to the changing of our service over to XXXX XXXX, and while making this phone call I found out that I had been misled on the XXXX gift card, and would n't actually be receiving it until we had fully met the terms of our contract after a year, which meant I would have to come up with the cancellation fee for XXXX XXXX, and being out of work, we could not afford that. 

The contract we signed said we had up to 3 days to cancel the contract, which I did within XXXX hours of signing the contract. I immediately called them and spoke with XXXX to cancel our service, who gave me a reference number ( # XXXX ) confirming my cancellation request, and then I also e-mailed in the required notice of cancellation that same day. 

When on XXXX XXXX I received a notice confirming that I had requested to change my service from XXXX to XXXX XXXX, I called XXXX XXXX and spoke with a XXXX to confirm with her that my service was still active, and she confirmed that it was. 

After receiving my first bill, I contacted XXXX and informed the billing department that I had cancelled my service within XXXX hours of signing the contract and that my service with XXXX XXXX was never interrupted, and that they, XXXX NEVER did supply my electricity, so why they are charging me for service they never even supplied. This in my opinion is fraudulent business practice on the part XXXX XXXX. 

I also made several other calls and spoke with individuals in XXXX XXXX 's billing department when I received bills in the mail, and never could get anyone to listen to me or get supervisors to return my calls regarding what I was trying to tell them were bills in error. 

Please feel free to contact me for any further information you XXXX need regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.

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