BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Blackhawk Network Holdings Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a virtual prepaid mastercard giftcard through XXXX ( card issued by XXXX  ). They restricted what services I could use the card for. Specifically I wanted to use it to pay my water bill ( my water provider accepts credit cards with no extra fee ) and they kept declining the transaction. When I called the card issuer they said I could not use it for that and only for regular stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Select Portfolio Servicing , Inc. ( " SPS '' ) has since about XXXX claimed to be the authorized servicer of my mortgage, Security Deed and Promissory Note, on behalf of XXXX XXXX XXXX Bank, XXXX. the successor in interest to XXXX XXXX XXXX XXXX EXHIBIT A. 
In fact, on XXXX XXXX, XXXX, XXXX assigned all rights and powers under my mortgage, Security Deed, and Note to the Bank XXXX New York. EXHIBIT B. 
SPS never notified me that my mortgage, Security Deed, and Promissory Note had been assigned and transferred from XXXX XXXX XXXX Bank to Bank XXXX New York. 
SPS never told me that, after XXXX XXXX, XXXX, that only the designee of the Bank XXXX New York, AND NOT SPS, was authorized to act on behalf of Bank XXXX New York with respect to my mortgage, my Security Deed, and my Promissory Note. 
Instead, SPS falsely, fraudulently, illegally and wrongfully continued to act after XXXX XXXX, XXXX, through to the present day, as though SPS was authorized by the Bank XXXX New York with respect to my mortgage, Security Deed, and Promissory Note when SPS was not so authorized. 
On XXXX XXXX, XXXX, XXXX recorded a second " Corrected Assignment, '' which assigned all rights and powers under my mortgage, Security Deed, and Promissory Note to " XXXX XXXX XXXX XXXX XXXX XXXX. '' EXHIBIT C. 
In consclusion, since XXXX XXXX, XXXX, mortgage servicer SPS has fraudulently, falsely, wrogfully, and illegal represented itself as being authorized to act as mortgage servicer for my mortgage, Security Deed, and Promissory Note when SPS was not so authorized, and I have been greatly damaged thereby. 
In connection with SPS 's misrepresentations, I have repeatedly requested in writing, by means of valid QWR 's, documentation setting forth SPS 's conduct and for an accounting as mortgage servicer of my mortgage, Secuirty Deed, and Promissory Note. SPS has violated RESPA, XXXX XXXX. XXXX XXXX XXXX XXXX, by failing and refusing to provide an accurate report of and accounting for its actions as mortgage servicer of my mortgage, Security Deed, and Promissory Note. 
SPS ' failure and refusal to take corrective action with respect to an accounting for and the proper servicing of my mortgage, Security Deed, and Promissory Note also violates the Fair Debt Collection Practices Act, 152 U.S.C. XX/XX/XXXX, and I have been greatly damaged thereby. 
SPS has been wrongfully threateening me with foreclosure over an arrearage of mortgage payments, the amount of which SPS has greatly exaggerated by ignoring the fact that the Note is an interest-only note.

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 2022-09-06
Company: Eagle Accounts Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Continue to send correspondence with debt collection symbol and conspicuously threatening to report to CRA which is harassment and abuse. They have also reported alleged debt to XXXX which is defamation of character and has resulted in XXXX showing a derogatory mark when debt is no longer being collected by original creditor of XXXX XXXX as confirmed by them. The alleged debt amount being collected is XXXX dollars and this is not accurate.

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 2019-10-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I was overcharged for services that were provided by PennyMacUSA, my current servicer. They charged me {$820.00} for an appraisal and when I spoke to the appraiser, the charge was {$420.00}. The average cost of an appraisal is {$450.00} in my area in Texas. I also got quotes from 3 additional appraisers and they quoted the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Credit Management has violated my Consumer Rights and Privacy Right under the FDCRA. I have attempted to resolve this matter with them several times and they refuse to respond to the affidavits and the cease and desist letters. I will attached copies of the cease and desist letter with invoice and attach the complaints I have filed with the Attorney General and the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: General Motors Financial Company, Inc.
State: TN
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:
1. On approximately XX/XX/XXXX, Complainant leased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 
2. Payment amount of {$610.00}, per month. 
3. Complainant, paid Americcredit/GM Finanacial, in a timely manner from XX/XX/XXXX - XX/XX/2020. 
4. On XX/XX/XXXX, Complainant hand delivered a car buy out Casher 's Check in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents ( {$20000.00} ), to XXXX XXXX XXXX. 
5. On about the XXXX day of XX/XX/XXXX, Americcredit/GM Finanacial, reported Complainant 's account as delinquent, and XXXX, without prior notice or any type of due process or equal protection, immediately penalized Complainant with a ninety-one point ( 91 ) deduction from his credit score. 
6. On about XX/XX/XXXX, XXXX  stated that its investigation was now complete. If it was able to make changes to the credit report provided, it has done so. Otherwise we have contacted the company reporting the information you disputed, supplied them the documents you gave us with your dispute, and instructed them to review all information we provided them about your dispute ; information provide us a response to your dispute and update their records and systems as necessary. 
7.Complainant 's credit report, still remains past due thirty ( 30 ) days and listed as delinquent ; still has a ninety-one ( 91 ) point deduction. 
8. Complainant states that this started with XXXX, penalizing him based upon allegations of Americcredit/GM Finanacial, without due process and equal protection of the law. 
9. Now XXXX  telling the Complainant that, its up to the Offensive Party Americcredit/GM Financial to due the right thing. When they both are working hand in hand, to deny the Complainant his due process and equal protection of the law, by penalizing him outside the frame work of those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home of 27 years is being foreclosed on by XXXX, from an IndyMac loan. I wanted to apply for consideration under the settlement agreement DOJ vs XXXX. My loan is being serviced by Ocwen Loan number XXXX the name on the Loan is XXXX XXXX. 
I am trying to sell the home but XXXX gallon in ground oil tank, a 112year old clay tile roof, a 60 year old leaking steam boiler, and an asbestos abatement problem require a six figure investment before a sale could go forward. If there is an application for assistance or consideration I would appreciate your help. My wife and I are both XXXX declared bankruptcy in XX/XX/XXXX due to the mortgage issue with ocwen when they changed the terms of our loan in XX/XX/XXXX not only switching to a libor adjustable rate but the payment options were reneged on. 
Is there a way to apply for consideration under XXXX settlement? 
Ocwen has not been able to help. 
Contacting the bank directly has not gotten any response. 
Thank You XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Financial Credit Service, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.

Company response to consumer: Closed
Consumer complaint received 2022-08-17
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had money taken out of my account that was not authorized. 
XXXX. XXXX XXXX XXXX. 5 hours ago XXXXXXXX XXXX. 18 hours ago. XXXX XXXX 18 hours ago XXXX XXXX 18 hours ago XXXX On the pending transaction page it states XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX I just noticed this was happening. I'm on XXXX wth XXXX XXXX XXXX. I'm on a fixed income and can not not afford banks taking money from me.5 hours ago I was sound asleep. On the XXXX I was at the beach and had no phone service. There is no way I authorized withdrawals from my Chime account. I have no idea how long this has been going on. I would really like to know. I've been in contact with Chime support numerous times. Left messages, emails chatted with customer service. I get no response back from them. And no resolutions to issues. This isn't the first time this has happened. I want to know how much they have taken over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date of transaction : XX/XX/XXXX Name of the bank : CitiBank The amount of the money paid to CitiBank : {$8000.00} What CitiBank committed to provide you : CD Nature of dispute : We have a joint saving account with CitiBank. On XX/XX/XXXX I called CitiBank and talked to customer representative to transfer {$8000.00} from our saving account to CD account. The customer representative immediately transferred {$8000.00} from our saving account to CD account upon my request. I was looking at my account online when I was talking to her on the phone. I immediately saw {$8000.00} deposited in CD account. I immediately printed the copy of transaction. It is with me now. Then, the next day I went to check my account, {$8000.00} disappeared from the CD account. I called the customer service immediately. She said she did not know where the money went but said they will investigate. Since then we have been calling on regular basis ( we called then on XX/XX/XXXX, XXXX and XXXX ). They kept on saying it is under investigation and money will reappear in our saving account. They did not give us any case number or any written communication. We called again on XX/XX/XXXX and XX/XX/XXXX and talked to supervisors who said it may take 5-7 days. No money deposited in our saving account. So we called again on XX/XX/XXXX. This time my husband demanded to talk to higher up and very reluctantly they connected us to their, '' Executive Response Team ''. We talked to guy by name XXXX who said he will help us get our money back. In fact he said he is sending an email to another department to process our request to put the money back into our saving account. He gave us a case number and said he will call us as soon as the money is transferred. So far he hasn't called. We still don't have money deposited in our account. They have been giving us run around and lies. 
Please note that we are senior citizens.

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 2017-07-09
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency Global Solutions back in XX/XX/XXXX and then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX Global Credit Solutions {$50.00} XXXX XXXX  XXXX XX/XX/XXXX Global Credit Solutions {$35.00} XXXX XXXX XXXX  XX/XX/XXXX Global Credit Solutions {$32.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Pacific Collections
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Firstly I never received any invoice or notice to my new address after repeatedly asking them to post or email me the notice so I could see what I had to pay for. We were initially on a plan ( which was above what I could afford ) which I requested that they do not withdraw the Money without me first contacting them to ensure that I had the funds available, they ignored my request and continued to take the money out without any notice. I had to change my bank details as they overdrew my account. 
Because I had not received any notice I could not call them to dispute this with them. After moving to my new place I started to receive calls very early in the morning every single day threatening me that they were going to black list me and ruin my credit. I told them that I could not pay any more money until I received a notice, also that I would pay it once I was able to find employment. After constant threats I ended up paying them money. 
The first transaction was on XX/XX/XXXX {$90.00}, the second was XX/XX/XXXX {$90.00} which was the transaction that overdrew my account. 
Then in XX/XX/XXXX I agreed to pay {$300.00} because they threatened to destroy my credit and they increased the mount owed which I still don't even know why as they have not sent me any invoices. and then I agreed to pay {$100.00} on XX/XX/XXXX the next two weeks to finalize the debt and to be done with them. 

However they have continued to charge my account again this week on the XX/XX/XXXX another {$91.00} They should not be taking Money from my account,. 

The name of the company is Pacific Collections XXXX XXXX and the name of the person I felt with is XXXX XXXX, his number is XXXX XXXX the only way that even have these details is because of my bank statements, as I have not received a notice and now I am worried that I paid a scam company. The name that appears on my statement is XXXX XXXX XXXX XXXX XXXX XXXX. I called them multiple times and left a voicemail but I would like to file a complaint as they have caused me an incredible amount of stress and anxiety. I will push for legal action.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
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:
I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: PA
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:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
I have had my credit card account with USAA for over 20 years. During the past two years while in a pandemic, I missed 4 months of work due to XXXX XXXX I received at work. I missed 1 months of work due to XXXX. I, also, am experiencing long hauler symptoms. My husband, who is immunicompromised, missed 1 months of work due to XXXX and 2 months of work because of XXXX  XXXX. My account with USAA is in good standing at this time. The change in my credit report was due to late payments because of lack of income. I attempted to contact all companies to make payments arrangements to which I was denied. I received a letter dates XX/XX/22 stating my USAA account in good standing for over 20 years was being cancelled due to my credit history. I took a 2nd job. My husband took a 2nd job. We are working to get accounts current. It makes no sense why a current account with no missed or late payments is being closed when there was a pandemic & multiple medical concerns. USAA has always had amazing customer service but this does not live you to expectations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BB&T CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
I am not liable for this debtXX/XX/XXXX. I do not have a contract with that company. I have contacted Experian andXX/XX/XXXX regarding this collection fraudulently filed on my credit report, but they still refuse to remove 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 explanation