BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: Atlantic Credit & Finance, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for XXXX. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do n't have money in there. I keep on telling them that we needed to wait on my wife because I just have a card to show at the bank when I did work to get my check cashed. I do not have a bank card or anything like that my wife has it all and it is all in her name. He even said that me and my wife can have the argument or fight but it was going to be settled today. I was on the phone with these people for about two hours and they say it was being recorded so lets hear if everything they said to me is on the recording. When I got off the phone with these people my chest was so tight. I do not handle to many of the bills my wife does. I keep on telling these people that I could not hear them good to just wait till my wife got home from work but they would not hear of it.

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 2015-06-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Berman & Rabin, P.A.
State: MI
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 called this attorney 's office and tried to explain that I know nothing about this nor did I receive anything. He hung up. I tried to call back and no answer. I feel this is a gimmick and unfair collection practice. 

My wife received a phone call from this same attorney a XXXX of months ago about some pay day loan she had and she has not worked for several years. When my wife started to cry because the gentleman kept saying that she owed this money, he said oh do n't cry please. I will have an attorney call you back. No one called back and I called and they hung up on me also. Have not heard from this office again on this particular issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I wanted to send money to my mother in XXXX through MoneyGram on Tuesday XX/XX/XXXX. First, I had to verify who I was by sending a copy of a bank statement and a copy of my driver 's license after giving them multiple ways to verify my identity online. I spent two hours on the telephone with them but they were not satisfied with my answers ; therefore, I was treated like a criminal and had to send proof of who I am. Second, I was finally granted permission to send the money yesterday ( XX/XX/XXXX ). I filled out the online form exactly as I was asked to do. When prompted to fill out my mother 's information, I was asked for her first name and last name. Nothing else was marked as required or necessary information. Today my mother went to collect the money. She was told that she could not collect the money because I had not given her middle name and second last name. Why did MoneyGram not ask me for that information when I was filling the form online? I CLEARLY MARKED the money was going to XXXX. If they knew that my mother was going to be required to provide identification with all XXXX of her names, then why did they not prompt me to give them all XXXX names? Why was my transaction approved on my end if they knew that the money was not going to be delivered in XXXX because I had not given ALL THE NECESSARY INFORMATION. I paid for a transaction that could not be finished because of their negligence in letting me know ALL THE INFORMATION NEEDED on the other end. When my mother let me know that she could not collect the money, I called MoneyGram to correct the situation and I was told that I had been given THE CHOICE of adding more names but I was NOT told I HAD TO DO IT FOR THE TRANSACTION TO BE TRULY COMPLETED. They told me that my only option was to cancel the transaction on my end and expect a refund in 12 BUSINESS DAYS. Last night they took my money and were ready to send it to XXXX in 15 minutes. Now I have to wait to get my money back 12 BUSINESS DAYS. PLUS, THE MOST IMPORTANT THING, MY MOTHER STILL DOES NOT HAVE THE MONEY SHE NEEDS RIGHT NOW. I AM DISGUSTED. I WAS TREATED LIKE A CRIMINAL AND HAD TO PROVE MY IDENTITY. AFTER PUTTING ME THROUGH THAT ORDEAL, I WAS NOT GIVEN ALL THE INFORMATION NECESSARY SO THAT MY MOTHER COULD PICK UP THE MONEY IN XXXX. THIS IS DISGRACEFUL. I AM A XXXX AND CURRENTLY A XXXX WORKING ON MY XXXX DEGREE sending money to my family in XXXX. I AM NOT A SCOUNDREL LOOKING TO MAKE A QUICK BUCK OR STEAL FROM ANYONE. BECAUSE OF THEIR NEGLIGENCE, I was made to feel like a common criminal and even after I complied with their demands, they DID NOT PROVIDE THE SERVICE I PAID FOR BECAUSE THEY DID NOT GIVE ME ALL THE INFORMATION I NEEDED AND MY MOTHER NEEDED. MY MOTHER IS XXXX YEARS OLD and SICK. SHE DOES NOT NEED THIS KIND OF XXXX. THIS IS SHAMEFUL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It doesnt make sense if I dont have overdraft protection.. how did I get a over draft fee on XXXX. I have the call recorded when I took it off and I have the calls recorded that I dont have it on there. I will be filing a class action law suit if this fee is not taken off. Because most of the fees were caused by Wells Fargo and I have those past calls recorded before I took the over draft protection off. Thank you for your time. Have a wonderful day and please be safe.

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 2015-08-01
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is reporting false information to the credit bureaus -- -my XXXX 's payment was flagged as being delinquent, this is incorrect. I 'm submitting documents to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Madison Management Services, LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
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 2016-09-20
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.

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 2017-04-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I contacted First Niagara by secure message on XXXX/XXXX/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of {$25.00}, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of {$15.00} starting on XXXX/XXXX/2016. My account now has a negative balance and has still not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2015-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: FC HoldCo LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has been calling my home number literally for years. They never leave a message. I see their name and number on the caller ID and then block the number, but they continue to call using other numbers. I 've lost track of how many numbers I 've blocked. We have never received written notice of any debt, and owe no collectible debts, as we have superb credit. They call often, from any time in the morning to late in the evening. I 've emailed their complaints department several times to no avail. I will not answer their harassing phone calls, and am hoping that the CFPB can intervene and help stop these unwanted calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Alorica Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was a victim of a XXXX when the individual was caught and sentenced to XXXX years in prison. I HAD TO go to the hospital even though I told them no because I had no money. I went, incurred the hospital debt myself and it was bought by West Asset Management. I paid in full and I want this gone from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.

Company response to consumer: Closed
Consumer complaint received 2016-06-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The lender of my paid off mortgage, Ditech, has failed to return my escrow funds. The load was paid on XXXX XXXX, 2016 and I have yet to receive the funds. I have contacted the lender multiple times and have been told several different stories regarding the escrow funds. Basically, they tell me " check 's in the mail '', but I have never received it, although I did receive the final escrow analysis indicating that funds were due to be returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
the company that reported me has illegally reported my account, to credit bureau, late 30 and 60 days in XXXX and XXXX 2014.

Company response to consumer: Closed with explanation