BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original debt was with XXXX which was in XXXX XXXX new debt collector purchased the debt in XX/XX/2019 and hasnt sent me a contract I have with the new debt collector with my signed signature validating my debt I have with the new debt collector. Ive been asking for proof for about 2 years now and all they can send me is a contract I have with the original creditor. The debt owed was {$9600.00} and the new debt collector is adding interest fees and late payments when Im not even aware of this debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.

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 2015-04-09
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations  XXXX Equifax Information Services XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had subscribed to XXXX in XX/XX/XXXX while switching over 2 lines and because the reception was poor, I had cancelled the plans in XX/XX/XXXX, within the 20 day window. I had received the XXXX return label and had shipped it out in time. Had expected the lines to be cancelled and my auto-payment stopped, but that never happened until I realized it on XX/XX/XXXX and called the customer service and was assured that the amount be refunded, which it was - but only partially. 
then in XXXX, I received a notice of payment for an amount of {$230.00} with a last date of payment on the invoice of XX/XX/XXXX. I received the latter on XXXX XXXX and made the payment on XX/XX/XXXX. 

However, the account has now gone into collections for no reason whatsoever, and charging me an addition {$59.00}, which was not in the invoice I received in XX/XX/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 2021-09-19
Company: Bass & Associates, P.C., Attorneys at Law
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe that XXXX XXXX XXXX is acting unlawfully please see attachments for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX, 2021, a checking account was fraudulently opened with Wells Fargo Bank using my SS # and DOB. The second form of ID used on the application was a state driver 's license number which is not my license number. I have checked with my state 's Dept. of Transportation and the license number that was used does not exist in their files. 

Since this occurrence I have worked with Wells Fargo 's fraud management to close the account and have notified other appropriate authorities. But I do not understand how the account could be opened without a state issued ID that matched the other information provided to the bank. I have inquired with Wells Fargo about this and they refuse to answer this question. The inconsistency between the required forms of ID should have been a red flag. This leads me to believe there is not a thorough review of the all information that is submitted to Wells Fargo Bank during the online application process.

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 2015-08-06
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past 8 months that SLS has had my XXXX mortgage That BAC sold to them. 
They have always sent a monthly bill for the interest only portion of the loan. 
We caught on early and always sent an additional XXXX above the required XXXX there is a line to add to the principle X amount. This has been done every time we paid a note. 
In almost every month they would apply the additional money to the interest for the up and coming month and what ever was left would go to the principle XXXX. 
We would get the next month bill say XXXX XXXX and it would say that our next payment is due by XXXX XXXX. My wife is a wonderful women but did n't realize that was going on until I recently paid a bill while she was out of town. 
I have sent a Error Resolution letter with the needed documentation XXXX pages of it by fax as directed, as of 48 hrs they have n't responded and may have lost it who no 's. 
They have corrected the last months paperwork. 
I had printed out the statement history and was making notes to what the Acronyms where. 
While doing so my page refreshed and the statement history changed in no longer was what I had printed out. ( It was like they were making changes to cover something up ) Hence the XXXX pages of paperwork that I Faxed to them Print copy 1 and # 2Is there anything that I came expect them to do for the lost payments toward my Principle loan or am I just another person that got screwed by the big guy? 
Any Idea how long I have to wait for them to get in touch with me? 
The very least I should get credited for the interest on my load for 2 months or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi Transunion XXXX again with my 3rd complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.

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 2018-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX in XXXX. Two charges were posted related to the rental ( one charge denominated in USD and the other denominated in Euros ). The charge was posted on XX/XX/2018. I disputed the charge on XX/XX/2018. However, I didnt have all the details i.e. credit card statement when I disputed the charge. Subsequently I contacted Chase Bank to change the disputed amount on XX/XX/XXXX, which they told me I had to wait until the original dispute was settled When I tried disputing the additional amount, Chase declined the additional disputed amount saying I had missed the deadline to file a dispute. However I was just following instructions given to me by the Dispute department. Please refer to the attached letter I have sent to Chase. The additional disputed amount is {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi XXXX XXXX again with my 3rd complaint. I just want to let XXXX know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was place in a repayment plan XXXX of XXXX. My original mortgage payment was for {$2700.00}, it increased to {$3300.00} once I was place in a repayment program for 24 months. I hace been consistent since XX/XX/XXXX. My original past due balance was {$14000.00}. I have made {$32.00}, XXXX since I have been on this program. 

I am in receipt of a notice informing me they are removing me from the program and I am due to pay {$16000.00} in full by XX/XX/XXXX otherwise they will start a foreclosure process. I should only owe for XXXX and XXXX total of {$5700.00}. This is the 2nd time I try to refinance and they have prevented me from obtaining a new loan. I had previously spent 7 months trying to have them correct their mistake when they reported me late to the credit agencies. I received letter of apology from them in XXXX and here we are in XXXX and I am going through the same experience when I tried to refinance the first time. 

I would great appreciate your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: Quality Recovery Services, 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:
I have contacted XXXX to dispute this account that Quality Recovery Services is reporting on my credit file. XXXX stated that Quality Recovery Service stated that they verified the debt. How could Quality Recovery Service verify a debt that do not belong to me. I have notified XXXX and Quality Recovery Service that this debt was a result of identity theft and they have not removed this account from my credit file. I have trying to be patient about the situation but it seems as they are intentionally violating the FCRA. I need your help in getting this matter resolved quickly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: AES/PHEAA
State: MN
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:
AES XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. AES XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by AES because my federal student loans were in in-school deferment. I consolidated all of my student loans. The AES account has been closed for several years. My complaint is that ( 1 ) AES is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how AES came to service them. Reporting 36 late payments on my account that I challenge requires AES to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check AES ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Diversified Consultants, Inc.
State: IL
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:
3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.

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 2016-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I opened an CD with the USAA bank. 15 years later, I call in XX/XX/XXXX, to check my account and to see how much interest my CD obtained over the years. I am then told by an employee that I have no funds in my account because I got an loan in XX/XX/XXXX. I told the employee I never signed an loan, but they fax me paper work with my signature. Although I told her I do n't recall ever getting this loan, I asked her where was the check because I never received an check. They said they would investigate. 

I call back two weeks later and they told me the check has n't been cashed, so then I request to get my money back and this is where things get sketchy. They give me the run around for two months, claiming this and that. They were suppose to put out an fraud claim, and my daughter even recorded conversations with them asking where my money was. 

Finally, I sent an complaint to the XXXX. The XXXX gave them 7 days. The CEO, XXXX XXXX, responded back to the XXXX saying, 'in my account the loan was given to me, and the funds were taken out of my account to pay back the loan. ' However, I sent an rejection to the XXXX telling them I never received an check, and that the check I was suppose to get was not cashed. If the check was n't cashed, why are n't they able to give me my money back in my account or issue me an new check? It 's because they 're stealing from customers. 

Upon searching online, I have found similar complaints from other customers within my location of who also been betrayed, lied to, and stolen from from this company. The USAA location is XXXX XXXX XXXX, XXXX XXXX Tx, XXXX

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