BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: ERC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
ERC has been asked to please stop calling my place of employment and correspond via mail. I asked them politely..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CRESCO CAPITAL 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ERC
State: FL
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:
Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: Big Picture Loans, LLC
State: NV
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. 

They have also called me and my employer and threatened imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Valentine and Kebartas, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with CHASE BANK for more than XXXX years. 
I had my account overdrawn several times and been able to put money into my account to cover the debt in the day or XXXX never been charged for overdrawn. 
Now if i do n't put money into my account the same day before XXXX i get charged a fee of XXXX dollars. But i do n't receive any call or email that my account is overdrawn for me to be able to cover in time. i get charge XXXX dollars for a payment of XXXX dollars that did n't go through when my check are pending ... 
This is frustrating how bank become so unpersonnal and does n't work with us but feel like they are happy we are doing bad!!! 
What kind of society are we in?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.

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 2016-06-22
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: GLA Collection Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
OK ... .I have already filed a complaint with you guys regarding this company. I just saw an updated copy of my credit bureau report from Equifax, they had concluded their investigation, and they said that the account belongs to me. Ummmm, NO IT DOES N'T, because I DID NOT do this for one, and two, these people are impossible to talk to, I have communicated with them, and they were very rude. I refuse to contact them again!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: TCF NATIONAL BANK
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Sentry Credit, Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Contacted Sentry Credit located at XXXX, XXXX, WA XXXX in late XX/XX/2017. A phone call for information was made on XX/XX/2017 to the office located in XXXX, WA and the collector that answered yelled and claimed NSF fees have been incurred. I held my composer and asked to speak to a manager and was transferred to a male representative who did not know anything related to credit reporting and the random account that was placed under my name. After being yelled at by this company and not getting any information pertaining to a {$260.00} amount hanging on my credit I am requesting removal of the account from my credit report. The Company did not act within legal parameters by threatening me verbally on the phone and later changing my commentary and statuses on my credit report. There is obviously something wrong with a company if they start adding random commentary on my credit report. I received no information about this debt within the legal time-frame. Under regulation 809 as stated within the Fair Credit Collection law, Sentry Credit did not respond to the consumer within five days after the initial communication in connection with the above debt. The credit needs to be removed immediately due to noncompliance with FCC law and FCRA.

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 2016-12-28
Company: KEYCORP
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: ProCollect, Inc.
State: CO
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 made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: GLA Collection Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have attempted to communicate with this company to let them know that I am an ID Theft victim, and that these medical bills are fraudulent. I never applied for them, and they are both under my XXXX maiden name. I already complained about one Debt Collection Company. These people would n't listen!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Creditor participated in Unfair Deceptive Abusive Acts or practices ( UDAAP ) by committing a Breach of Covenant of Good Faith and Fair Dealing and a Breach of the of Implied Warranty of Merchantability. Creditor via merchant provided me with a vehicle backed by a loan which was defective and which had serious mechanical problems, and as a result the creditor via its merchants practiced and committed unfair dealings which is a breach of contract and a violation of my consumer rights. I was unable to drive the car and had to park it for over a year as the car was not functional. They therefore violated FDCPA and state Laws. This inputted a high financial burden on me and greatly affected my credit and therefore I will like the violations committed by the creditor to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: LendUp Loans LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Without my knowledge, my wife opened a XXXX credit card in my name on XX/XX/XXXX. I found out because I am pursuing a divorce, so I checked my credit score to get an idea of my financial health. I called XXXX XXXXs fraud department - they will not do anything to help me. They said I am responsible for this card, even though I didn't open it, nor did I know it existed and never saw one statement. My wife admitted to hiding the statements from me. After XXXX would do nothing, I asked my divorce lawyer what to do. My lawyer said since my wife admitted to defrauding me and hiding it for three years, I should request the statements ( which I have ) and pay the minimum monthly balance on the card, which I have been. The balance since I've started paying is now at {$2000.00} as of XX/XX/XXXX. I tried to seek a fair solution for both XXXX  and myself, but they left me no choice but to pay this card that I never knew existed. It is in my name and I didn't even open it. I think XXXX is responsible along with my wife, because I was not even their customer and I was still a victim of fraud they will do nothing about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: Northeast Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company has called many of my family members, whom I do not live with, or have never lived with and told them there was a complaint against me, gave them a number and a reference number. I received a message today from them but did not say anything about a complaint or reference number. When I called the number, I could not make out the name of the company and they said their offices were closed. They said if you do n't want your phone number called, to read it clearly. 

They contacted my XXXX year old father, and my XXXX year old uncle. I am XXXX years old and do not live with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.

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