BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Bryant Bryant & Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Kept receiving calls from XXXX. A XXXX XXXX called and left me a message that she needed a defensive statement for a lawsuit. Called number back but no answer. Looked up number and its reported as a scam. Then almost immediately I get a call from XXXX. I answered it and a XXXX XXXX answers and wants confirmation of my name. He then proceeds to give me my social security number and dob and a case number of XXXX. I never verified with him who I was so why is he verbally stating this type of information.its illegal.He then gives me another number XXXX and stated its check services for XXXX county Florida and that I have to pay him XXXX immediately or they will serve a warrant for my arrest and deliver it to my employer. I triesnto explain I do n't owe any money to this company and that my computer was hacked and personal info stolen during this timeframe he gave me. He said good luck and disconnected. I learned that the XXXX number is also calling and harassing my relatives and telling them I am wanted for check fraud. I am not familiar with XXXX ; the company they state I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
The below copied transaction was made using my stored identity data housed with Western Union. Please look into this matter and warn consumers that Western Union has been compromised. I have reported this via phone call to Western Union 's fraud department. The tracking number is XXXX. I will also be emailing Western Union 's customer support to all my information removed. 
XXXX, Your money transfer 's complete. 
XXXX will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
Need help? Chat online or call us toll free XXXX at XXXX. 
Thanks for using Western Union. 
For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.Your tracking number ( MTCN ) is : XXXX. 
Transaction Date : XX/XX/2017 XXXX ET Sender : Name : XXXX Address : XXXX CT City : XXXX State : SC ZIP Code : XXXX Phone Number : XXXX Receiver : Name : XXXX Country : XXXX Expected Payout Location : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: TCF NATIONAL BANK
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.

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 2015-12-04
Company: Allied International Credit Corp., (US)
State: IA
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 have also filed a complaint with the XXXX Attorney Generals Office about this collection account. On XXXX/XXXX/2015 I received a collection notice from Allied International Collection Corp which cited XXXX as the original creditor claiming that I owed {$410.00}. I have never had an account with XXXX which is why I know the account is not mine. 
The debt collection agency provided no supporting documentation, no explanation of why they believe the account is mine, no explanation as to what the balance their claiming was for or how it was derived, plus I fail to understand how anyone could possibly owed {$410.00} to XXXX given a XXXX search said they were an online auction company, so I would assume if you ever did purchase anything at an auction payment would be due at the time of sale. 
This is either mistaken identity, fraud or illegal collection activities, but I know for certain that I do n't owed {$410.00} to XXXX, it 's just not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Continental Finance Company, LLC
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I have a credit card with XXXX ( Continental Finance ). The credit limit is {$500.00}. It was renewed automatically in 2016. I never used it in 2016 but to date I have been billed {$240.00} in fees. I paid {$170.00} in fees just to protect my credit and I cancelled my card but the bills keep coming. My credit rating is damaged and I am still getting bills, the latest is for {$160.00}.

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 2015-04-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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 am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Financial Freedom 'the reverse mortgage specialist ' has been giving my XXXX-year old mother the run-around for the last three months since she notified them she vacated her home with a 'no fault ' home equity conversion mortgage ( HECM ) , in trying to complete Financial Freedom 's 'streamlined ' deed in lieu of foreclosure process. My mother is on an extremely limited income and can not continue paying for this property while Financial Freedom gives her the run-around in trying to complete the process. Financial Freedom has placed a lock box on the house and told us we can not access, yet they refuse to complete the deed in lieu of foreclosure process and they refuse to tell us what the next step is to complete the process of getting this HECM reverse mortgage/home out from under my mother 's name and responsibility. SHE HAS VACATED THE HOME! As of now it 's completely stuck in Financial Freedom 's limbo and every time we call customer service and that department to speak with a manager or the specialist handling the account they say that everyone is a meeting or on break or on lunch and will return our call but a manager or supervisor NEVER calls us back. Every time we call, we get a different answer where the deed in lieu of foreclosure process is at and no one can tell us what the next step is to complete or what is needed to complete it. They are intentionally trying to delay the process and even an email from their legal office says they are purposely delaying for an unknown reason. Please help. My XXXX year old mother is losing her faculties and health is failing. This predatory and deceitful practice by Financial Freedom is taking its toll on her health and her finances. I have power of attorney for my mother and her estate and have provided that to Financial Freedom already. PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Merchants' Credit Guide Company
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 i had a bill go to collections due to not being able to pay it with XXXX XXXX XXXX  XXXX Oh XXXX XXXX XXXX XXXX Oh. A year later i paid the bill and had a balance i did not know of since no one ever contacted me about it. I called XXXX XXXX to see if it was paid and they said i owed a balance of {$45.00}. So i paid it then and was told that it would be updated in XXXX account or removed from my credit report. The item was removed from XXXX XXXX and XXXX but not XXXX for some reason. For the last year and more i have called XXXX XXXX and Merchants Credit XXXX the reporting Company to have this updated or removed and each time they told me that i still owed it. I informed then that i have proof that i paid it from my checking account and i will send them a copy of it to show it was paid two years ago. 
My girl friend even said its only {$70.00} and she would pay it. She paid it with her account and according to her bank the money was put back into her account. Yet they told her that it bounced which was not the case. 
I then contacted XXXX XXXX who is a Attorney used by XXXX XXXX and myself to look into it. He sent them the copies of my checking tp show it was paid and they said it is not. and to this day it is still showing that i owe {$70.00} to XXXX XXXX when they themselves said i have a zero balance with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: OLD NATIONAL BANCORP
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a ATM deposit at my financial institution on XXXX/XXXX/2016 my receipt has know information in a hold being placed. From past experience there is usually a 2 day hold. I contacted my branch this morning and was told the funds would not be released till the XXXX with know explanation as to why the hold is so long. The said its a Reg CC I reviewed Reg CC and it sounded as must holds were for 2 business days. I authorized XXXX direct debits from my account to come out tomorrow XXXX now I will bad charged {$38.00} per item since the funds are still not available. I feel all consumers should have a date the funds will be released on there receipt which u was given at my previous financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened XXXX accounts at Wells Fargo, and deposited {$11000.00} and {$50.00}. 
WF later closed my account and the account balance shows {$0.00}. The transaction history shows it was closed due to XXXX. However, no WF employee told me when I opened my account that I needed to provide any information - or I would have submitted it the same day. 
I called the customer service number and they said they ca n't help me and go to a branch. I went to a branch and they said they could n't help me and would call back. They never did. I called WF again on the phone and they told me to go to a branch. It has been over 5 weeks, and I still can not find my {$12000.00} and can not access the funds. One person said it should have been mailed out, but did not know if it actually had, and could provide no information. 
I am still out {$12000.00} with no answers.

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 2015-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2015-11-11
Company: SCOTTRADE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.

Company response to consumer: Closed