BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in XXXX to collect on an old XXXX debt, Acct-ending in XXXX. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a XXXX account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a XXXX account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Upon looking over my account Cash APP i discovered several transactions of large sums of money being transferred to several different people over a period of XXXX weeks. Currently i can not access ( XXXX ) my account show a balance from well over {$3000.00}. The acct was totally highjack leaving me penniless. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the process of getting a place to stay as i am XXXX 
I can identify some of the people. They seem to be a group of people orchestrating massive fraud networking. I am also filing a police report as well. 
Your prompt responds to this matter urgent and i will certainly assist the XXXX, XXXX police depart. ONE THE MAIN CHARACTRE PLAYER GOES THE NAME XXXX XXXX ; I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They accepted a payment from a unauthorized party after I verbally and through expressed not to. I then made a two month payment AND updated our bank info with new bank info on the phone with a person and they still tried running the payment through our old bank. They have put some kind of block on our account via through the website that wont allow me to update the bank info again. When I called them about the unauthorized payment they began arguing with me cause they didnt want to reverse it cause it would cost them money. They tried telling me they were going to send ME the money from the unauthorized party in the form of a check, I said absolutely not you will reverse it cause I verbally told you not to accept it and you did anyways. Now they are purposely trying to cause a late payment that will affect my perfect credit and we are about to be getting anew construction loan. This house is sold and closes on XX/XX/XXXX. They lady who got very ugly with me on the phone is purposely doing this. Her name is XXXX, I was refused to be able to talk with their HR dept repeatedly. Ive been recording all phone conversations with them. My wife and kids in addition to the recorded calls are all whiteness as do all this stuff on speaker phone for these exact reason. We are in a world of customer no service and poor attitudes from people who are in the wrong line of work. 

SN Servicing is the company BEWARE of this company, they have no business handing peoples mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMG Mortgage , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX has failed on its commitments to make timely payments to the county on my behalf, resulting in penalties for my family, and has inexplicably raised the monthly payments beyond what we have agreed on. In XX/XX/XXXX, we closed a 30-year fixed interest rate loan on our home. We now face financial hardship because our mortgage lender is failing to meet its commitments and is failing to discuss and resolve the issue which has become untenable for us. CMG agreed to pay my supplemental property tax bill from the reserves in my impound account. In a written letter dated XX/XX/XXXX CMG stated the bill would be paid in 15 days from the date of the letter. My bill had an amount due on XX/XX/XXXX and XX/XX/XXXX. After contacting CMG Mortgage various times to confirm payment would be submitted I learned from my county on XX/XX/XXXX that CMG never submitted a payment. Our first payment was late and included a penalty fee. I, therefore, submitted full payment with a penalty fee on XX/XX/XXXX. After the County taxes had been paid by me, CMG sent the supplemental tax payment making my escrow account short. The county has returned the extra payment back to CMG, however they are refusing to reassess my escrow account, insisting the account is short, when it is not, and charging me several XXXX XXXX on top of my fixed monthly payment. I have asked CMG to reassess my impound account because the one time supplemental tax bill has been paid and the impound account has been made whole. CMG is refusing to reassess my account and has increased my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Express Aviation
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was paying my loans monthly payments. I filed for bankruptcy on other debt that I owed which immdeiately placed my private student loan into default even though I did not include this loan in my bankruptcy, and I was still paying them. They sold my loan to a debt collector and never told me who they sold it to. Fast forward a year later- I am now receivign phone calls demanding I pay the full amount owed and they refuse to take any payments other than the full amount. They are also refusing to send me any documentation in the mail. My original loan was through AFG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/21 XXXX XXXX XXXX account was opened and have a balance of XXXX  On XX/XX/21 RADIUS GLOBAL SOLUTIONS account was opened with a collection amount of XXXX which i do not recall applying for. Im struggling to pay these off because XXXX 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 2020-03-04
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See previous complaint submitted against PayPal. I have obtained more evidence from XXXX XXXX. A transaction of {$79.00} thru PayPal was disputed, requesting a {$53.00} credit. PayPal claims that I did not have a bank account associated with the account. So what? Their website allows ONE form of payment, which was XXXX XXXX. If that was a problem, maybe I should redesign their website. Anyways, the transaction was disputed with both PayPal and XXXX XXXX, which is perfectly legal. XXXX XXXX issued a credit of {$53.00}. However, PayPal closed the dispute and charged the amount to my PayPal account. See enclosed documentation from XXXX XXXX, which confirms a credit of {$53.00} was issued. The dispute was closed in my favor. However, XXXX XXXX ( who is afraid to provide contact info ) falsely claimed that XXXX XXXX sided with the merchant. Obviously, the documentation shows otherwise. We have two billion dollar companies - PayPal and XXXX XXXX - who mixed up the transfer of {$53.00}. Now, PayPal is trying to charge my account. I attempted to call PayPal from the number provided by XXXX XXXX from PayPal 's response to CFPB, but the representative informed me it was an attempt to collect a debt. Per XXXX XXXX 's response to CFPB, debt collections were to stop. Thank you XXXX for providing proof to a federal agency that PayPal is using tactics to violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Mr. Cooper Group Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXXXXXX XXXX for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX Bill pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing.

I need help please. How can I get this issue resolved ASAP with my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent everything that The Money Source has asked for and they have essentially refused to look at the information they requested. They will not take a payment unless I have the entire amount. Since starting this process in XXXX I have the feeling that they want the house back and I have no where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon - Our mortgage was purchased by XXXX XXXX XXXX a few months ago and they have been horrible. My last situation, is as follows. I had sent in XXXX to go to additional principle. It was stated on the check to go to additional principle and it was also sent in with their payment stub stating that the money was for additional principle. I received a statement on XXXX and called immediately. They had put {$2800.00} toward principle and then 2 mortgage payments. This was not as instructed on the stub or the check. I called on XXXX they were to reverse and do it correctly. I called on XXXX and was told it was to be corrected on that Thursday. I just logged into our account on XXXX and it is still not fixed. I called XXXX XXXX, they stated that my request was denied b/c the check was written in the previous month. This was not at all my fault, in my opinion this company is purposely avoiding the correction for their financial gain. This also happened on the previous principle check I had written.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Reporting Act, XXXX  account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America closed my online account access and every time I call and verify my information, they tell me to step inside of a branch to fix my online account XXXX XXXX & I cant do this because Im not in a state with a BofA Branch. My account has been negative and I cant even bring it positive because they wont allow me access into my bank account. This is the 2nd time this has happened to its this Bank in Specific.

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 2016-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost. 
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX- XX/XX/XXXX : Bank of America has been charging monthly maintenance fee of {$5.00} for keeping balances below {$5000.00}. 

XX/XX/XXXX ( dont remember the exact date ) : I talked to Bank of America via phone and the agent advised me to change my savings account from 'Money Market Savings ' account to 'Regular savings ' account. This would reduce minimum combined account balance to {$2000.00} instead of {$5000.00} ( combined across checking and savings account ). 

XX/XX/XXXX : Bank of America again started charging $ 5 monthly maintenance fee even though my combined bank balance was above {$2000.00}. 

XX/XX/XXXX : Called Bank of America. They say apart from {$2000.00} combined minimum balance, I needed to have {$300.00} minimum balance in savings account. So they started charging {$5.00} from XX/XX/XXXX. I did not receive any communication regarding this change. It should be noted that I did not have {$300.00} in my savings account in XX/XX/XXXX and I was not charged monthly maintenance fee. So I am suspecting they changed the requirement in XX/XX/XXXX. Additionally, the agent did not have a record of my past conversations with them. She also said that their systems show that I did not ever have a debit card - even though I did. 

XX/XX/XXXX : I went to local branch and talked to XXXX XXXX, Relationship Banker at Bank of America. She did not see any record of changing my account type from Money Market Savings Account to Regular Savings account. She said she would investigate and get back to me. Its been more than a month and I have not heard since. In the meantime, I continue to be charged $ 5 monthly fee. 

Issue : ( 1 ) Bank of America is changing minimum balance requirements without notification to its customers and charging fees. ( 2 ) Bank of America not keeping record of account type changes ( 3 ) Bank of America is not keeping a record of conversations with its customers. ( 4 ) Bank of America does not track issuance of debit card. They say I didnt have a debit card though I do.

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 2022-02-28
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Today XX/XX/22 XXXX ( XXXX ) tried to call Sallie Mae about delaying/skipping my payment for XXXX. When I called I talked to a customer service rep who told me that they recently changed their process for this action. When I said that they didnt notify me about this change she stated that they havent told anyone about the change as it just happened in XXXX. I asked to her transferred to another person and the next lady said the exact same thing, as they havent told any of their customers about this change. Making it harder for borrowers to delay/skip a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation