BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Spotloan refused to change the date that they debited my account even after I advised that they were creating overdrafts on my bank account. A XXXX XXXX left a message on my cell phone at XXXX advising that he intended to serve me with paperwork at my place of employment and/or at my residence by the end of business on Friday. XXXX XXXX also contacted the central office for my employer and left the exact same message. Once I had a break, I called the number that the call to my cell phone came from ( XXXX ) XXXX and was advised that they were a locating service and that I needed to call XXXX, the number that was given to my employer to get back in touch with XXXX XXXX. When I contacted the XXXX, I asked to speak to XXXX XXXX and was put on hold for several minutes and the same man that answered the phone told me that I had returned checks to Spotloan and began to become belligerent with me. When I tried to speak, he hung up the phone on me. I called back and he told me not to call him any more. I called back again and advised him that there was a witness to the phone conversation. He wanted the name of the witness but refused to give me his name or the name of his company. He then threatened to call my principal and tell them that my witness and I were calling him during the time that we were supposed to be XXXX, which was not what I was doing. After I got home, I called back and spoke to yet another man who failed to identify himself or the company who tried to get me to give him a debit or credit card that he was willing to postdate for the remaining payment. I told him that I would need to speak to my husband first. The person that I spoke to advised that I had 24 hours to get back to him and that he would call me back at XXXX to discuss my plans. After speaking to him, I called Spotloan and learned that they sold my account to XXXX XXXX on XXXX XXXX, 2016 and that they no longer had anything to do with the account. After called the XXXX number again after XXXX, I got a recording that identified the company as either XXXX or XXXX. I am not comfortable with giving out my debit or credit card information to this company without paperwork regarding this situation or for a postdated transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX loan servicers. ACS and XXXX XXXX. I sent them both the same application packet with my pay stubs so they could get a picture of my situation. XXXX XXXX used this information correctly and thus provided me with the correct monthly payment amounts, which I am paying. ( XXXX $ /month ). 

ACS came back with a payment that does not, in any way, reflect my income situation at the time the Income based Repayment plan application was submitted. ( $ XXXX dollars ) This is the second year in a row that I am having this problem with them. Last year it was the same starting point as that of what I am dealing with now and last year, after going through hoops, it ended up being XXXX $ per month. ( Finally, the same as what XXXX XXXX calculated my payment to be for XXXX initially. ). I 'm making a little more money now as reflected in the XXXX payment that I make to XXXX XXXX. But, it 's the same story with ACS for some reason. Why do I never have this problem with XXXX XXXX??? They need to use the same income information that XXXX XXXX used. That is federally mandated! It is the SAME federal repayment program used by XXXX companies and the same exact information was sent to XXXX of them. The only difference was I replaced each company 's name on the fax. 

I should not have to go through this two years in a row. This signaled to me that something is up at ACS and they need to be aired out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Trans union continues to send in a email that has nothing to do with the investigation and removing the unauthorized inquiries they continue to give me the runaround. They also deducted 8 points from my credit report because I contacted cfpb even though I havent opened any new credit, closed any credit and has 100 % payment.

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 2016-12-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For the past five years Ocwin has what we believe is an effort to lose our payments so that they could annul our loan modification. If we get behind on our payments we lose several benefits that must be paid by the lender. They been successful by changing our payment amounts then charging the difference the next month, on several occasions simply rejecting our payments without notification. However this complaint is about Ocwin scrambling our payment history when we decided to push back against the most recent lost payment. Please see attached reported current history from Ocwin. We can not make a determination of our owed payments with Ocwin because they refuse to give us an accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: FISERV INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. 
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. 
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a Capital One credit card account customer in XXXX. Less than one year after opening an account I received a telephone call from Capital One 's Fraud Prevention department. The fact that fraud prevention had telephoned me on a Saturday afternoon isn't what struck me as particularly odd, it was the questions I was being asked. Apparently, someone ( s ) had obtained the pieces of personal information of mine necessary to submit an application for a line of credit. I assured the voice on the other end that I had absolutely zero knowledge whatsoever regarding an application for an additional line of credit. I began to ask questions of my own : what name was used on this application? What address was used on this application? Why would the fraud prevention department question me about applying for a second credit card when I could simply request an increase or spend from my checking account? ( My credit limit was less than $ XXXX. ) I was informed that Capital One was unable to provide me with any additional information over the phone and that my request would need to be written and mailed USPS. Several days later I handwrote my request and attached relevant documents, i.e. copies of I.D . and utility bill. I never received a response from Capital One and seeing as how I there was not additional follow-up from the company I put the matter out of mind. During the time that I was a credit card customer I paid my bill on-time - if ever, I were late with a payment it was a matter of days, not weeks or months or years. While I do not recall the exact month in XXXX, I do recall having telephoned Capital One. I don't recall the specific reason for contacting the company but I do recall there being a customer service issue that evoked an extremely irritated response/reply from me. This hadn't been the first time Capital One customer service proved to be sub-par. I disconnected ( hung-up ) the call without warning and without saying goodbye. Two to three days later I'd received a letter from Capital One informing me that due to 'fraudulent activity ' my account had been closed - I can only assume that whomever had closed my account following my gripe with customer service had been referring to that application for an additional line of credit that some XXXX had submitted months earlier. The letter instructed me to dispose of my credit card and to remit payment for my balance owed. There was nothing I could do after my account had been closed. I am just now filing a complaint with ConsumerFinance.gov because I had not been made aware of this agency. Having telephoned Capital One recently to inquire about whether the company would approve or deny a credit card application, should I decide to submit one in the near future, these events are fresh in my mind - or as fresh as can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion removed XXXX collections accounts as well as XXXX hard inquiries on XXXX/XXXX/17. After doing so they reinserted them on XXXX/XXXX/17 without proper notification. That is in violation with the Fair Credit Reporting Act and I am requesting permanent removal of these accounts. I spoke with 2 Special Handling agents and they refused to take responsibility for the error. Nor could they explain to me how it happened and they refused to remove it from my report.

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 2021-09-04
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive been trying to close this account since XXXX. They keep reopening the account because of an automatic payment that keeps withdrawing. Ive tried stopping those payments multiple times however they keep attempting to debit from my account. 

I asked them on XXXX to stop the transactions as they are no longer authorized and they wont do it without a {$32.00} stop payment fee. Asked if they could expedite the account closure and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Consumer Financial Protection BureauCase # XXXX and XXXX Citi Reference Number : XXXX This is in response to your letter of XX/XX/XXXX, which was sent to me by email in response to my inquiry through the Consumer Financial Bureau. 
In particular your letter quote that my AT & T Universal account ending in XXXX was permanently closed by Citi due to one or more late payments or returned payments in the past six months. Copies of our letters dated XX/XX/XXXX and XX/XX/XXXX are attached for your review. 
I did not find the attachment of the letters. Also upon checking my AT & T statements I did not find any late payments or return payments for the last six months before its closure. 
On the XX/XX/XXXX statement, it shows there was a return check fee of {$29.00} which was actually dated XX/XX/XXXX and the XXXX totals year-to-date is {$29.00}. On the XX/XX/XXXX statement, the XXXX totals year-to-date remains {$29.00}. So, that is no fees charged throughout XX/XX/XXXX to XX/XX/XXXX. So the reason for closing the AT & T account for late or return payments do not stand. 
As the account was closed for a reason that is not true, I request you to reopen the account to correct your mistake.

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 2016-06-21
Company: Hillcrest Davidson & Associates
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have had more than one agent from this company call me with a rude tone concerning the debt. I told the first agent that called that I did not owe the debt and would like to dispute the debt. He told me that I had to do the dispute on my own. I informed him that I would call my lawyer concerning the matter. He told me that I should n't waste my money and learn to pay my bills. I told him that was n't his concern. He stated that if I had enough money for a lawyer, I should pay them. Then he hung up the on me. I called back and spoke to XXXX different supervisors who told me the same thing and also hung up on me. I called back a 4th time and was told not to call back. About a week ago, I received another call from the company. This Representative told me that he would cause my credit score to go down XXXX points if i did not give him {$440.00} to restore the service or {$800.00} to cancel the debt. I told this agent that I wanted to dispute the claim and their agency has been very rude. He again hung up on me. I called back to speak to a supervisor. I explained to him all of the problems that I had in the past with this debt. He said well it sounds like you just do n't want to pay the debt. He then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Midwest Recovery Systems
State: MD
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:
Debt is not mine and the Statute of Limitations has Expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: ACS Education Services
State: MA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have a XXXX XXXX that was further compromised by XXXX which severely limited my cognitive functioning. Due to the impact this had on my XXXX I was not able to sign or make financial decisions independently. The school recommended I fill out loan applications with their " trusted providers '', one of them being XXXX XXXX XXXX which filed for Bankruptcy XX/XX/XXXX and no longer exists. I never received any documents that informed me 1 ) that the loan was approved and 2 ) a check or wire transfer for the funds/loan they are now collecting on. 
I became aware of the possible discrepancy after being denied for a mortgage, and requesting copies of my student loans applied towards my XXXX tuition from the school financial services office. The ACS private loan did not appear and I can confirm that a check was never received or deposited to any account of mine. 
ACS claims they will try to research the issue, sending me a copy of the promissory note and a copy of the disbursed check that will tell me how the funds were delivered and to whom. Since I have XXXX % proof that I never received or signed for a deposited loan, I am requesting that ACS discontinue their credit reporting until they can provide the necessary financial documents that prove this loan is mine and the funds were deposited into a bank account by me. 
ACS claims that their process takes " 30-45 '' business days and demanding I continue making payments while I attempt to validate this loan. I demand they put a HOLD on my account until the proof is provided. 
The loan is currently a {$40000.00} debt which my father has paid in error for the last few years, believing it was something I may have taken out myself. Due to the seriousness of this issue and possibility of fraud implied, I demand that ACS expedite their standard process for recovering the requested data and cease all credit reporting activities until then.

Company response to consumer: Closed with explanation