BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Constant refusal of  XXXX   XXXX  to modify my loan to offer mortgage assistance to me.     I was told my  XXXX   XXXX  today conversation on  XXXX   XXXX ,  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX  of the President that no matter what income I submitted, documents I provided even if I qualified and no matter what I did that  XXXX   XXXX  would never review my documents nor approve me for a modification. This was all stemming from the time it took  XXXX   XXXX  too long to respond to my request for a modification I tried to accept the modification but it took so long that I had no alternative but to sell my house so by the time the modification went through, and I received the modification and tried to take back the offer the buyers began to sue me I was already in contract to sell my house and it was not until I resolved that lawsuit was I free to even take a modification or it would have wiped me out financially and I am a realtor and I could have lost my license. ( see case..  XXXX   XXXX   XXXX   was well aware of this. Either way there was no way to know if th is was even a true offer for a true modification and I have a letter from  XXXX  ells Fargo  stating that I have never been approved for a HAMP modification at this time. Then on  XXXX   XXXX  I applied for a HAMP modification and was denied again even if the reason for denial was the income $  XXXX /mo stated in their letter dated  XXXX   XXXX ,  XXXX  did qualify me for a more than 10 % reduction of my monthly payment ( current monthly payment {$2500.00}, according to the HAMP rules. It would have reduced my payment by 12 % which would allow me to start making payments on my loan which I currently am not allowed to make.

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 2015-06-24
Company: CIG FINANCIAL LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Curo Inc.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: Freedom Mortgage Company
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Freedom Mortgage holds my mortgage. I received notification today on XX/XX/28 that my credit was pulled. I have not spoken or given them any authorization to pull my credit report. Due to them pulling my credit this has impacted my score. I request they remove this from my credit. I have never spoken or have permission for anyone to pull my credit at this company.

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 2017-05-12
Company: CITIBANK, N.A.
State: CA
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:
XXXX   XXXX  from  Citi b ank has closed my accounts from several years ago and will not reopen them. even though I have perfect credit. He is discriminating against me for being a victim of fraud. A few years ago my card numbers were stolen, I reported this t o Citi  bank and told them I never received the service or merchandise for these fraud charges. Instead of helping me out, like they have a duty to, especially me being a victim of fraud, they closed my accounts and are fighting me to reopen them.    XXXX   XXXX  responds saying I intentionally misreprested some disputes, he is  WRONG.. tho se are valid fraud charges. He is basically calling me a liar and siding with the merchant. This is wrong and illegal. I have proof I never made those charges, yet he discriminates against me for being a victim of fraud. this is not right and could turn into a class action issue, I have researched  Citibank has been doing this to thousands of people.

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 2019-02-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/19 I am still enrolled in school and Sallie Mae wants me to pay for my loan and has attempted to collect money while I am still a student

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Alliance Collection Agencies, Inc.
State: DE
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:
I signed a contract as a condition of employment with a commercial trucking company. In the contract it states " Promise to Pay. By signing this agreement, you promise to repay to XXXX the value of the XXXX if you do not complete XXXX paid solo miles. You are responsible for repayment if you voluntarily terminate your employment or you fail to maintain your driving qualifications other than your physical qualifications '' I was terminated by the company after having a small accident. I did not voluntarily terminate and was still qualified to drive. I did not break the contract and was acting in good faith with the company. The company did not tell me at the time of my termination that they expected me to pay this money. They withheld a small portion of my last pay and this is how I found out about their intentions. I called the company 's HR department and they refused to discuss the issue of owing a debt and said that a collection agency would contact me. The collection agency that contacted me was sent XXXX registered letters explaining that I did not owe the money. I have contacted an attorney two times to receive guidance on this issue. The collection agency has called me six times after receiving the letters. My former employer does not have a right to seek this money by the nature of the wording in the contract. I wish to have this resolved without having to seek legal action in a court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Citi Management Group, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep receiving a call from XXXX, A company called City Management. This guy says his name is XXXX. He claims he has a complaint against me from XXXX from some payday loan place. I asked him to send me the paper work, he is refusing. I told him to send me the paperwork or stop calling me. I hung up the phone. He called right back, and in the message he left, he was reading me my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Colony Brands, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security  Number. Th e said they where from  ARA Inc.  - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @  XXXX   XXXX   XXXX   XXXX . I did and it rang funny and never connected. The transaction over the phone happened  XXXX   XXXX ,    2017 and the  first phone call back was the  XXXX  of  XXXX .   On the  XXXX , a  XXXX   County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over  15 years old . Her name is  XXXX  and can be reached @  XXXX   XXXX   XXXX   XXXX . My letter was addressed to her with my information on the letter head.   This company collects your old debt for themselves. Who knows how many $ millions they have taken from people?   I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l   spoke with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TNT Financial, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TNT FINANCIAL INC XXXX XXXX AND XXXX TNT finanicial sold me a vehicle and repossessed it. never disclosed any information about selling it and never took what it was sold for off of the balance. they also havent taken any payment made since off my balance. i never recieved anything showing what they sold the vehicle for what was taken off the bill because it never changed. i asked how much and to send me the information from it on the phone and was talked around and denied any information. i asked them to validate everything and they never did. they sent me a judgement from a courtday i never recieved 4 or 5 years back stating that i owe thousands over what i agreed to pay to begin with. and told me they were charging me interest on the wrong amount because they never took anything off so they just kept racking on charges to the point of no return. they have treated me poorly and unfairly and preyed on me. i would like this removed from my credit report as it has ruined my life in the worst way i couldnt settle this debt if i wanted to with all of their ridiculous charges which i would have. this is not fair or accurate credit reporting thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report.   I also have proof that I contacted transunion about the dispute on   XXXX   XXXX   XXXX  and it is now   XXXX   XXXX  , yet I still have no word from them????   So this is addressed toward   XXXX   XXXX   and  National Credit System Dispute   Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on (  XXXX  ).   As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.     I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request ....     The following information therefore needs to be verified and deleted from the report as soon as possible :  NATIONAL CREDIT SYSTEMS  - #  XXXX  Status in Collection :  XXXX  Please delete this erroneous item from my credit report as soon as possible.     You guys are also false reporting on my   XXXX   XXXX   Account by reporting that I have missed several payments. However this is not true at all.       XXXX   XXXX   XXXX   XXXX   Account Type Credit Card Account Status Closed - Paid and Closed Opened Date   XXXX   XXXX   XXXX     Closed Date   XXXX   XXXX   XXXX     That 's the actual REAL information that you 're holding out against me.         Sincerely,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: SKO Brenner American, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: First National Collection Bureau, 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 resulted from identity theft

Complaint:
I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).

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 2016-06-23
Company: Allgate Financial, LLC
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:
On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation