BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX. 

I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. 

The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure. 

As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation. 

We have attempted contacting the credit bureaus as well and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
Hello to whom it may concern, I paid off two collection debts with Caine & Weiner..I believe about two months ago and it's still showing and reporting on my credit. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was pulled over in PA. For going XXXX in a XXXX. Given a citation and i wS on my way. I paid the citation and now it's on my background check 3 years later and it shouldn't be there. Jobs have denied me employment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
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 started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Central Service Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: First Data Corporation
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My identity was stolen, however a family member actually did it and had been doing it before she was caught and sent to jail, I live in XXXX being here for 9 years however Im getting this medical bills forward to my address from XXXX XXXX XXXX out of XXXX Louisiana and I dont own them they are FRAUD I tried explaining my situation to them even providing documentation. Now Im getting these harassment phone calls saying my debt been sold to a 3rd party and asking me if I had a procedure at that hospital. RED FLAG THATS HIPPA LAW

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 2015-03-31
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently closed on a VA Re-finance through XXXX, the representative I dealt with XXXX XXXX and his supervisor XXXX XXXX both told me ( in e-mails and recorded conversations ) that if I refinanced through XXXX XXXX Mortgage that I would be allowed to skip my XXXX ( {$2300.00} ) and XXXX ( {$2300.00} ) payments to Shellpoint Mortgage my old lender ( Mortgage Company through New Penn Financial ). I asked if I could skip XXXX and XXXX payments as I had already paid Shellpoint the full amount for my XXXX payment ( {$2300.00} ) however XXXX said no it need to be XXXX and XXXX Payments that I could skip based on loan ( Re-Finance ) closing. Again I was ensured that I would get my XXXX full payment back by XXXX. Shellpoint had included part of my XXXX payment in final settlement and only reimbursed me for partial return of my XXXX payment made on XXXX XXXX XX/XX/2015 of only {$1200.00} was returned from XXXX payment and {$1300.00} left over from my Escrow account. I was shorted {$1000.00}. I have contacted both XXXX and Shellpoint requesting the balance of {$1000.00} ( might not be considered a lot of money but when you are a XXXX it is a lot of money ). All I seem to get is the run-a-round. And XXXX of the companies has committed fraud and definite deceptive trade practices. I want to file a formal complaint. XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # 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 2021-06-22
Company: Resurgent Capital Services L.P.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: Kriya Capital, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When been getting phone calls several times a day from Credence Resource Management. Caller ID says XXXX Ohio. I never answer except to stop the phone from ringing and hang up. I finally called them and found out who they are by listening to their recording. They are using different phone numbers. XXXX, XXXX. We do not have any outstanding debt so this is a total scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to XXXX XXXX requesting VALIDATION of the alleged debt. Per the FDCPA, 15 USC 1692g 809 ( b ). the company had 30-dayXXXX by law to respond. The company failed to respond or validate this alleged debt thus making it uncollectable. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX notifying them that they had failed to validate the alleged debt. Making it uncollectable. 

On XX/XX/XXXX, a letter was written to Oliver Adjustment Company , Inc. in response to a notice from them attempting to collect on the alleged debt regarding XXXX XXXX. This letter detailed that XXXX XXXX failed to validate the alleged debt thus making it uncollectable under the FDCPA, 15 USC 1692g 809 ( b ). 

On XX/XX/XXXX, another letter from Oliver Adjustment Company , Inc. was received. This letter stated that Oliver Adjustment Company , Inc. has done an " investigation '' and found that I am the correct consumer. This is not only biased but also self-serving since they are attempting to collect upon this now invalidated alleged debt. And does nothing to validate the alleged debt. 

Another letter from me to Oliver Adjustment Company , Inc.,  dated XX/XX/XXXX, was sent via first-class mail. In this letter it was stated for them to cease and desist collection activities regarding the alleged invalidated debt. It further stated my intention to file complaints with the CFPB and my states attorney general 's office. Further notification was given that suit could be filed for harassment and harm. 

I implore the CFPB to take actions against XXXX XXXX and Oliver Adjustment Company , Inc. for violations of the FDCPA, 15 USC 1692g 809 ( b ). Their continued efforts and harassment to collect upon an alleged debt, that was afford every opportunity to validate ( and failed to do so ) is  damaging to my good name, my character, my reputation and has brought both emotional and physical harm.

Company response to consumer: Closed with explanation