BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received this letter at our office. I have never done business with the mentioned company, owner, or associates and believe this may be a scam. 

The demand letter never references services rendered, legal agreements of service, or anything other than send them money. 

The company supposedly I owe money to, Ive never seen, met, interacted with.

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 2015-04-29
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28
Company: AMCOL Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} payday loans and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX - I received a phone call from a lady stating that they were trying to serve me court documents. I asked for what? She said some company filed a judgment against me but couldn't provide any information. She gave me a claim number and a phone number. I called and spoke to someone named XXXX. She stated Santander filed a judgement against me. I explained to her that can't be true because the debt is really old, from XXXX. Also, it was sold to another company and discharged in a bankruptcy. She stated for to review my bankruptcy discharge and give her call back. I did, she then stated, I have to take the items to court, I can't send her anything. However, she did say I can pay her restitution. Which is strange, I've never heard of that involving a debt. She stated that Santander tried contacting me to no avail. I said that's a BLATANT lie. I asked for her to explain how she can collect on a debt that was discharged. She transferred me to someone else, I don't remember his name. Very rude. He lied and said the debt is still showing that I owe Santander. I explained, I check my credit regularly and that's not true. He stated because the debt was removed in XXXX but I still owe. I couldn't get him to explain how the debt was sold to XXXX XXXX and then discharged, now being sold again to XXXX XXXX XXXX. He couldn't answer and stated he doesn't know what else to tell me. I disconnected the call. I googled and found that this company is notorious for predatory practices. I called back again and the same guy answered. I asked gor the company 's name and address. He asked who I was and I told him, he gave me the name but refused to give me an address. He proceeded to tell me that he can no longer review my file and that he transferred it over and he hung up. These people have my personal information and are trying to use scare tactics to force me into paying a debt that I don't owe. The phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Four Directions Lending LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I agreed to a loan amount of XXXX $ on XX/XX/22. I did not realize the finance charge of XXXX $ I have made 4 payments of in the total XXXX as of XX/XX/22.

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 2015-10-21
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Subject : Loan Modification RMA was Denied. Homeowner is claiming mortgage discrimination in the follow : Discriminatory Unfair Evaluation of Request for Loan Modification, PRA Principle Reduction Alternative. Homeowner claims is qualified under the appeals section within the DOJ/National Mortgage Settlement Agreement. 
This homeowner, feels that our case has been unfairly treated for the following reasons:1. Homeowner was denied for financial DTI Debt to Income ratio and the LTV Loan to Value percentage. 
2. Homeowner provided all the documents in a timely manner. The denial is unjustified and unfair. 
3. The bank stated that the homeowners income was low and could not afford their mortgage. 
The denial did not use the property value in the consideration the property was underwater. 
4. Key Bank did not use a NPV Report within their basis for denial. 
5. The homeowner had a first mortgage modified and has made more than the required 12 months of payments on time. 
6. The homeowner was separated from his his wife the cost of the XXXX household and wife and child support caused a extreme financial hardship : which caused to late payments on the mortgage. 
7. The Key Bank stated that homeowner does not meet the requirements? Homeowner was not provided a list of requirements, or given a basis of denial within the denial letter XXXX/XXXX/2015. 
8. Upon the denial of a modification, an appeal was verbally filed with Key Bank representative XXXX XXXX at contact number : XXXX, homeowner is within the 30 day appeal requirements. 
9. Since the denial of the loan modification, homeowner has requested via an authorized third party copy of the NPV Report, a basis of denial report, was the waterfall process used within the denial?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have received NO communication from Wells Fargo re : the claim for ( myself ) for a wireless transfer that I did not initiate on XX/XX/2022 : XXXX This claim was filed with Wells Fargo fraud department on XX/XX/2022. My claim number at that time was # XXXX. The Wells Fargo branch manager informed me that this transfer was filed under an incorrect account number and a new claim was filed for this specific wireless transfer. I was not given a different claim number and was told since ( father ) is a co-signer on my accounts, that he would be able to get information re : my claim when speaking to Wells Fargo Fraud/Complaint Dept XXXX This has not been the case. When speaking to the expedited XXXX complaint center, they state they have no information re : X claim. I have not heard anything, no phone calls, no mail re : this claim. 

The fraudster gained my trust by starting the illegal charges through my debit card. I received a phone call with the caller ID Wells Fargo stating that theres been unusual activity on my card, which I was able to see via my online banking app. They also repeated the last 4 digits of my social security number back to me- further advancing me to believe I was speaking to Wells Fargo XXXX I then received a series of text codes that were asked to be repeated over the phone and then used to initiate ILLEGAL wire transfers from my accounts. None of these codes stated any amounts or stated that they were being used to initiate a wire transfer. If my account was further reviewed, you would clearly see that I myself have never once issued a wire transfer and do not operate my transfers in that way. I was told these codes were being used to confirm my identity and to close my current accounts, along with opening new ones to prevent the fraud. 

This fraud was reported on XX/XX/2022. We are well past the 7-10 day XXXX waiting period for investigation. 
We did not initiate these wireless transfers. The text codes shared never referenced a transfer or any money amount at all.

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 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank of America checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Bank of America terms. I spoke with Bank of America rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Bank of America were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Bank of America for information that was not communicated to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a loan with XXXX that is serviced by AES. They unexpectedly, without permission, or explanation extended my loan term in order to collect more interest. This is contrary to the contract I signed and, without consent, I believe it is highly illegal. I had to hire a financial adviser in order to figure out what happened as I called them on 2 occasions and was told my loan was recalculated and that in the past I was overpaying. I have attached a loan term from XX/XX/XXXX and XXXX from XX/XX/XXXX that shows the 60 months being added to loan XXXX distributed on XXXX/XXXX/07. Again I did not request this. The excess interest that they are attempting to cheat me out fo is XXXX. I am sorry to keep filing complaints I just desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.

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 2016-06-24
Company: The CBE Group, Inc.
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:
CBE has been trying to collect a debt that they have not been able to shows as a valid debt. The debt is from XXXX XXXX XXXX, and I have asked repeatedly for what the debt was for. CBE repeatedly has sent a old statement from XXXX with no detail explaining the charge. I was not living in the property where the charge occurred at the time of the charge, and I truly doubt the charge is valid. CBE has made XXXX previous attempts to collect this amount over the last 3 years has never been able to produce the details of the charge - the charges are considered invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: GLOBAL PAYMENTS DIRECT INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call on XX/XX/2022 from XXXX from a woman who said she was from a debt collection agency. She told me that my checking account payment was not cleared by XXXX XXXX and that I owe {$32.00}. I asked her who she was and why she was calling me and that my account was perfectly fine. She hung up on me. I called the number right back and spoke to someone else. I asked who this company is and what do they have to do with XXXX XXXX. She said she couldn't disclose that and asked me for my phone number on my account. I don't have an account with this company. Immediatly I felt uncomfortable. I hung up. 

I then called XXXX XXXX  and reported that this happened. They checked my account and everything was cleared and everything was fine on their end. They asked about the debt collection agency and the person I spoke to had no idea who they were. They asked about the phone call and I gave them the number. Now I'm really freaked out. 

I called the number for the " collection agency '' back and asked to speak to their legal team. I asked them where they got my information and I told them I don't have an account with them. They said I do. I asked them to delete that account information. They said I had to do it in writing. I told them again to delete my information and that I will report them to the police. I asked for their address and they refused to give it to me 3 times. Finally, she said she would give me their XXXX XXXX XXXX in XXXX IL. 

They kept asking me for my personal information. I repeatedly said no. When I ask for their personal information they refuse to give it so why should I give them mine? The person I spoke to was XXXX, and she refused to give me her last name, even though she requested mine. I told her I want all information they have on me mailed. I again requested my information be deleted. She refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Bread Financial Holdings, Inc.
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: Investigation took more than 30 days

Complaint:
I have two accounts with Comenity Bank. One being the Ultamate Rewards Card and the other being a Visa with XXXX. 

I paid off these cards on XX/XX/XXXX and they are still reflecting as having a balance with all three credit bureaus. After looking closer to the credit reports it looks like the balances and/or payments have not been reported since XXXX of XXXX. I reached out to their customer service lines today ( XXXX XXXX, XXXX @ XXXX ) and was told in both instances that their credit reporting systems have been inactive since XX/XX/XXXX and they do not have an estimated time of repair. 

Isn't it their due diligence to report accurate information? 

I am in the process of buying a home and this will directly affect the rate I will get. I believe I have disputed this already but will check for details as they then reported the balances shown were accurate. This would then be fraud? 

What can I do to fix this problem since I have disputed with no positive outcome?

Company response to consumer: Closed with non-monetary relief