BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL collection services did not provide adequate verification for debt question. No documents were provided showing contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Trademark Management Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Trademark Management ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted XXXX ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. Trademark then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year 3 of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-29
Company: American Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a large   XXXX   service bill from  XXXX   XXXX   XXXX   XXXX  office after finding out that she was not a network doctor and she is not a  XXXX  provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a  American  Credit Bureau, Inc.collection agency. In mid  XXXX   2017 , I began receiving calls from a  XXXX   XXXX  's @  XXXX  or  XXXX  ext.  XXXX . I Had noted this number on telephone up  to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this  XXXX   XXXX  's about the account, and informed about the letter and check to  XXXX   XXXX  's office and that a I did not have that amount to pay off and was on  XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Debt Management Partners LLC
State: HI
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$500.00}

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 2020-03-09
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On 2 previous occasions I have reported this company, Caine & Weiner for trying to collect a debt that they have never provided accurate paperwork, ie. original documents with payment history. 

The last response this company sent to myself and CFBP was that they would be sending an accounting of all payments to me and providing this info directly to CFPB, which they have not done. ( see companies response to CFPB complaint XXXX from XX/XX/2020 ) I have not received any documentation other than another bill from them. They have not provided me with any original signed documents nor have they provided me with an accounting of any payments made. 

Also, according to the response Caine & Weiner provided on XX/XX/2020 one account had already been removed from my credit report ... which is not true as it still remains on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful. 
Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency. 
The bill is for {$2600.00}. 
This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Redress Admin contacted me by US mail on XXXX/XXXX/16 XXXX : Paymap Inc, Consent Order XXXX File No. XXXX stating I had not cashed the check they had issued to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It stated that if I wished to have a new check issued I should make this request before XXXX/XXXX/16. 
I called the phone # listed on the letter & was sent to a different organization. At some point a Supervisor named XXXX confirmed I was due a refund ( Claim # XXXX XXXX XXXX ). 
I submitted my request for a new check on XXXX/XXXX/16 to the email listed on the letter ( XXXXXXXXXXXX ). I received an email on XXXX/XXXX/16 thanking me for my email. I received another email on XXXX/XXXX/16 stating, " You should receive your new check in 4-6 weeks. '' I received another email on XXXX/XXXX/16 stating, " Just wanted to let you know, that yes your reissue request was received before XXXX/XXXX/16 ''. Then I waited. 
Since no check arrived, I sent an email inquiring as to the status of the check on XXXX/XXXX/16 to the same email address. To this email I received no response. 
I followed up this morning w/ phone calls & an email to XXXX XXXX & included a faxed copy of my issue to CFPB. 
In the last hour I received a response from the XXXX XXXX stating the email box was no longer being monitored. I called the phone number listed for XXXX XXXX & they stated since I had copied by fax the issue to CFPB this morning then they could n't discuss it further & that I should work thru CFPB for a resolution. 
I just called CFPB & discussed my issue w/ a Representative & was told that CFPB was helpless to my problem because it was the third party XXXX XXXX & not the original company. 
When I asked this CFPB Rep what I should do he suggested I continue make my request thru the XXXX. 
How do I get this company to issue me the refund check they have both acknowledged that they owe me & acknowledged that I have submitted my claim on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I made a complaint to Bank of America regarding my escrow tax payments and how the amount set by the underwriter was grossly incorrect. The underwriter used a tax rate of 1.25 instead of .85 for my district. He also used the sales price instead of the assessed value. This caused my escrow tax payment to be {$230.00} higher than it is supposed to be ( {$520.00} ( XXXX+XXXX ) instead of {$280.00} ( XXXX+XXXX ) for taxes and insurance ). I have made several calls to Bank of America to fix this including two office visits in DC ( XX/XX/XXXX ) and in XXXX XXXX Maryland ( XX/XX/XXXX ) .In both visits I faxed my tax information to the mortgage department.I currently have my tax bill which must be payed between XX/XX/XXXX-XX/XX/XXXX. It is XXXX for the first half of the year. My escrow account has already accumulated over {$3500.00} in escrow tax in the period of 6 months. I have enough escrow tax in my account to pay the entire year. It should not be this difficult to get my escrow tax adjusted when the bill/rate is publicly available and is updated.

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 2015-07-04
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have medical bills from services that were supposed to be charged to my medical insurance. I have XXXX which obviously means I am a person of low income and can not afford to pay for medical treatment on my own. I need to have these collectors submit these bills to my insurance company. Which was never done by the original biller.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My  School Loan h older is Navient. Todays complaint was initiated by me checking my loan on their website to verify that my payment went through. My payment is scheduled fo r Auto Debit eve ry month. I have never missed a payment. However their site has informed me that I missed a payment and the original due date of   X/XX/17   is no longer there but now is forwarded to next month  X/XX/17.  Ever since I started paying more on my loan there has been computer errors or mishandling of my payments frequently. I have to waste countless hours to give over sight to a company that has been using policy they make up to get the most profit interest they can. I am sick of this company and have been dealing with their incompetence for years. I want to join the lawsuit against them and make a formal complaint against them. I have had it. I am sick of trying to pay my bill on time and have to be aggravated all the time with their inability to process normal standard billing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).

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 2016-08-31
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to my local bank, wells fargo to make a deposit of {$1900.00} to pay my rent, low and behold they tell me business and personal accounts were just closed on XXXX XXXX 2017, i would have to pay any fees to fix the situation, it cost me around {$500.00} and the accounts would be reopened in a mater of mins, well i gave the teller the {$1900.00} and she began to make the deosit on her computor, then she called the back manager to ok everything, well turns out the accounts were never opened and i lost all that money, i waited a day rechecked my account and nothing, i walked into the bank that next morning and they told me they ca n't help me! still 5 days later, nothing, i spent the entire weekend trying to resolve this by phone and internet.i got nowhere. this all happened at the XXXX Branch on XXXX XXXX in Ct .The only thing i walked out of was the reciept for this entire transaction.

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi, I was enrolled in the Wells Fargo Go Far Rewards program to earn bonus points on purchases. On my billing day, without any notification or explanation, they closed the account and forfeited all my points earned totaling {$930.00} in XXXX 2016. I filed a complain online, after waiting for some time, they requested a phone call. After I called and spoke to two different people on XXXX/XXXX/2016, they had no idea either regarding the closure of my credit card account or the forfeiture of my points. They said to wait for correspondence from their corporate office.

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 2016-11-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.

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 2016-08-21
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On     XXXX   XXXX   XXXX       I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed Equifax,  XXXX , and  XXXX  are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by XXXX. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation