BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt collection agency never notified me of the negative information that they reported. I contacted them via phone regarding the best and they refused to have it removed being that I was never notified of any negative information that they reported.. This Debt was paid on XXXX/XXXX/2015, Experience XXXX claim they investigated and as of XXXX/XXXX/2015 the debt was still unpaid which is totally inaccurate. I paid this debt with a Mastercard and there is no way that this should still be reported as unpaid. The agency continues to report inaccurate negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I heard, through a friend, about a promotional offer from Wells Fargo. The offer stated that Wells Fargo was offering a {$250.00} cash bonus when you set up a new " XXXX Checking Account ''. I went to my local branch located at : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX After meeting with a banker I was told that they did not have any way to honor the offer, but that I should come back in one week and they would be able to do so. Instead I went online to set up the account, following all the instructions on Wells Fargo 's offer page for this promotion ( https : //www.wellsfargo.com/XXXX I then received an email that my application had been successfully received -- this email also included instructions for the bonus offer. After five days of waiting I had not heard anything else from Wells Fargo regarding my new account, so I called their customer service line for clarification. I was informed by a representative that I did not qualify for the promotion since I had not received an individualized email offer code for this particular promotion, even though such requirement was never mentioned once on their offer page, or in the confirmation email, or indeed at any time during the application process. 

It really seems like Wells Fargo put out a promotion to earn new customers without any intention of honoring that promotion. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising 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 2015-11-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Senex Services Corp.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have multiple things on my credit report that do not have a contract with biller and medical bills charged when I was insured by XXXX and should n't be charges, then sold to a collection company whom I do not have contract with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TD BANK US HOLDING COMPANY
State: FL
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: Was not notified of investigation status or results

Complaint:
TD BANK Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by XXXX a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Per my recorded conversation with XXXX XXXX on XXXX XXXX, 2015, I accepted Citizens Bank 's offer on Case Numbers XXXX and XXXX, for a 10-year XXXX XXXX XXXX XXXX with XXXX Monitoring at no charge to me and also the offer to waive the {$620.00} processing fee on my current and only application with Citizens that I set up with XXXX XXXX, on XXXX XXXX, 2015. I followed up with a letter and email on XXXX XXXX, and have n't heard back on how to proceed. I sent a follow-up letter and email to XXXX XXXX, XXXX of XXXX on XXXX XXXX, 2015 with still no response. I 'm perplexed why XXXX has n't responded to my emails or letters and have n't honored their letter dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please find attached a copy of a R.E.S.P.A. Qualified Written Request. 
Borrower has requested these items many times and was told by her local branch that TD Bank does not provide this information any more. This a violation of RESPA. 
Borrower has been sending in monthly checks in the total monthly payment amount or in excess of the monthly payment amount and has only watched her arrearages increase. In discussion with TD Bank 's Foreclosure representative, XXXX XXXX, he stated payments were being re-issued to the borrower but at the wrong address. The borrower was never aware of these TD Bank checks that were rejected for a suspense account and has always believed the payments were being applied to her mortgage, as confirmed by her local XXXX, MA TD Bank Teller. On XXXX XXXX, 2016, we also submitted a full financial package to be reviewed for a modification. We believe she would not be in this position as extensively as she is, if TD Bank had notified her of their reissuing checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
td bank checking account number # XXXX on XX/XX/2016 two transactions as follow : 1. ) XXXX {$89.00} 2. ) XXXX {$XXXX} caused a total of {$85.00} dollars in two seperate overdraft fees and one monthly account maintence fees, these companies had no authorization to charge my account and they recently cancelled both transactions and refunded all funds which these fees originated from. td bank refuses to allow me to file claim disputes over the phone because they claim they can not verify my identy. i live on the military base in XXXX ( XXXX ) texas and their is no td banks in the state of texas. i should not be responsible for these fees as it were not my neglengence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. 
I need a reply before my forebearance is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I wanted to attend XXXX  XXXX University, the day before move in they said I needed XXXX $ XXXX tried to apply for a loan but needed a co signer. My aunt co signed ... its been collecting interest since 2008. My student loan has now double, I cant afford to make payments and the only help they offer was to pay the interest that was still almost XXXX $ while the payment is XXXX $ a month. They also asked if I could get help with my payments. I just dont see how I will be able to pay this student loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Hi, I started to having issues financially to paying my mortgage and i contact the bank mortgage and begins the process to the retention program HAMP, from XXXX or XXXX last year 2015, I was sending all documents its required and always they asking for more documents, for any X or checkmark they refuse to continue the process inclusive calling me over the phone and interviewing me for the little mistakes did on the all forms, I reviewed and sent it back, I agreed to cooperate with all documents in order to complete the hole process, but i think they were waisting my time and wait until a year to send me to the foreclosure process, my financial issues were verify in my documents summited on time every time they requested but now they put my house in foreclosure even did not have my process completed and with no additional or alternative options, i have my rights to receive all help from this process and to get my options to determine the better option to keep my home. my family are working hard to make this help happens, the mortgage company is not showing nothing and then now i have to find a lawyer on my expenses to help me and interfere for my home. We have only 15 days to find a lawyer before bad news coming from the court .I think this is a one way to avoid help family to save their home. I want you help me to get the HAMP program completed and have the mortgage bank approved my modification loan or retention home program either way keep what i paying to them. They did n't let me to continuing paying my loan until they finalized the process, that i gave them my consent and intention to reinstall my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft charges,

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 2017-01-10
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
AFNI, Inc. holds a debt in my name which I am not aware of. I wrote them a letter XX/XX/2016, in which they refuse to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Westcreek Financial
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I OPENED A TD BANK ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, TD ASSESSED ME " OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, " DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, " ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-TD ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, " THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Cascade Capital, LLC
State: NV
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:
This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management can not validate these debts, which I have requested three times. 

Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management.

Company response to consumer: Closed with explanation