BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: ERC
State: TN
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:
I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.

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 2016-05-21
Company: ERC
State: FL
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:
I have never been contacted by the original debtor for debt or current debtor.

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 2017-03-08
Company: ERC
State: GA
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:
XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-23
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: ERC
State: CA
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:
My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.

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 2016-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Balance transfer

Complaint:
I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXReceived XXXX additional XXXX due statements but no XXXX due statement Called XXXX CCO customer service, XXXX XXXX She said all {$1000.00} was applied to principal and will correct it in XXXX business days and will send the XXXX due statement within 7 business daysReceived XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXDid not receive XXXX due statement Called XXXX CCO cust service, XXXX XXXX XXXX She said that all of the XXXX {$1000.00} payment was applied to the principal and late fees were charged. She said she will fix it and remove late fees and nothing would be reported to credit bureaus. She asked that if I had an extra statement, I should pay by XXXX. 
Using XXXX of the XXXX statements I received for XXXX due date, I made a copy with XXXX on it and Paid XXXX, {$1100.00} [ XXXX + XXXX on extra principal ], check # XXXXReceived letter dated XXXX from CCO on XXXX concerning overdue, late fees, sending to credit bureausReceived XXXX due statement XXXX with amount due $ XXXXThroughout this whole time, CCO has been calling and not leaving a message at least XXXX per day. I thought it was sales calls since the caller ID showed Citizens and not CCO, I did n't make connection. 
After the letter and last statement received, I picked up on XXXX at approx XXXX. 
After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Home Loan Center, Inc.
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan worth up to XXXX dollars and I was told I had to pay insurance on the loan by purchasing XXXX cards well everytime I purchased the cards I got declined I ended up spending XXXX dollars worth and never received my loan when I was only supposed to pay XXXX dollars worth of insurance the company name was bandwidth the telephone number they used was XXXX they said they were associated lending tree but I believe it was all a scam and now my bank account is in the negative because of these people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank was dishonest with both the CFPB and myself in their correspondence dated XX/XX/2017. 
US Bank wrote " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Bank was dishonest with all people who call US Bank as it claims it is using recorded calls for " quality purposes '' when US Bank is allegedly using the calls for fraud investigation. If US Bank stated that calls may be recorded, that would encompass all uses, but US Bank, in writing, and on recorded lines did not make that claim and is using the calls for other purposes. 
US Bank also was dishonest with the CFPB and myself when on XX/XX/2107 they wrote " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' I can find no such records of any correspondence.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I wrote a complaint regarding Wells Fargo bank approximately 12 hours ago. I received a response from the same person that frustrated me originally, thereby, accomplishing nothing.

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 2016-10-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.

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 2016-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.

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 2015-05-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XXXX/XXXX/16. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XXXX/XXXX/16, they mailed the invoice on XXXX/XXXX/16. I paid my bill by automatic payment on XXXX/XXXX/16. Because it arrived before they mailed the invoice, they did not credit it to the XXXX/XXXX/16 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XXXX/XXXX/16 ( the day the XXXX invoice was due, and was paid in full ) and XXXX/XXXX/16 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. SEE CFPB Case number : XXXX from last month. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.

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 monetary relief
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
1 ) wells Fargo sold my home when they said I was under review I had XXXX set of copies I sent the XXXX set via XXXX they told me they did n't received all the paperwork I also had to fax missing documents then I was told there was deadline but I never received any letter for the deadline and I never received notice of the date for sale date, the bank set up mediations while I was in active bankracty the note on my home on public record said superior mortage it was n't until after I was served that my note was changed, I was being charged 14 % an adjustable rate when I ask for a hamp modification I get adjustable arm with the last payment being XXXX so it was adjustable arm with a balloon payment at the end that suppose to help homeowner, I was had force insurance put on my home when I had insurances but I later found out class action suit because they were doing it to all there clients I believe this is fraud foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Phillips & Cohen Associates, Ltd.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My grandmother XXXX in XX/XX/2016. My in laws are now all getting calls from XXXX trying to locate the executor and get paid for a debt my grandmother held. These people are in no relation to her nor am I even the person to contact for this let alone my in laws. 

They called her and hassled her making my XXXX very uncomfortable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife received a bill from a collection agency. Credence XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX for {$110.00}. The payment was to be Remit to : Credence Resource Management LLC, XXXX XXXX, XXXX, XXXX XXXX. 
Name : XXXX XXXX Creditor : XXXX XXXX XXXX Creditor Account No : XXXX Credence Reference ID : XXXX Balance Due : {$110.00} XXXX nor I have had any XXXX service in over 2 years and never received any bill. Our Insurance covered that XXXX service at the time. 

XXXX XXXX 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 2016-11-14
Company: Allied Collection Services, Inc. (Nevada)
State: CA
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 do not owe this debt. Account was closed and paid in full. Allied collection said they would notify XXXX and update their notes. They call me several times a day and disregard what they say they are going to do.

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