BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: Aargon Agency, Inc.
State: GA
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 was involved in a car accident in XXXX of 2013. I was not at fault and the other driver 's insurance was to pay all medical expenses. The insurance company was XXXX and all expenses were paid in full. The collection angency has been in contact with me multiple times and each time I inform that that I am not responsible for this debt and they should contact XXXX. I am then told that it is my job to contact XXXX to collect the debt. I did not handle any of the paying of the other medical bills as all bills were paid directly paid by the insurance company. I then offered to pay the balance in order to remove this from my credit and they told me that I was irresponsible and they would not remove it even though I am paying a debt I am not liable for. This amount is affecting my credit score for an incident that I should have no part of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Aargon Agency, Inc.
State: GA
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 was paying for a total of XXXX season passes for my family. One day, my daughter used my pass instead of hers. At XXXX XXXX my card was given back after realizing the resemblance and the issue was correct after noticing the obvious mistake. However, my card was blocked and I was not allowed back in the park the next time I tried to use it with my family. We never successfully completed this and agreed to part ways without further payment. I also agreed again with this company to pay another account for season pass and this one would be removed which it has not as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Paramount GR Holdings, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Unfair and deceptive acts performed by Paramount Equity Mortgage Company has caused financial injury and strain for my family in several ways. 

In XXXX 2016, I was initially contacted by Paramount as result of inputting my information with an online mortgage broker company, namely, XXXX XXXX. My interest was to refinance my home for the first time in 10 years. I was in contact with a few institutions to explore opportunities. However, Paramount Equity gain our interest and attention with verbal and written promises such as, 1. {$500.00} guarantee that they 'll beat competing offers. 
2. Immediately submitting paperwork to lock in a very good rate ( better than average ) 3. Closing in less than 30 days 4. Being a smaller company permits them to waive excessive fees. 

Within two weeks I signed and provided every document necessary to close. Suddenly, correspondence had stopped. I tried daily and multiple times to contact my representative ( XXXX ) to get an update but no response. 1 week later I was contacted by Paramount and was notified that my original representative decided to leave the company for unknown reasons. However my new representative ( XXXX ) took over and made similar promises and proceeded. Immediately he wanted to change the terms of my initial contract. I complied and signed. Then I did n't hear from him for weeks. A few weeks later he emailed and said he forgot to include important information that will eventually prevent us from closing. 

I 'm extremely disappointed and feel duped for several reasons. Paramount Equity Mortgage Company : 1. Did not disclose all risk in the initial stages. 
2. Seemingly creating problems to not close and revise terms as a result of over promising. ( They claim to not know I was married even after having my tax returns and other documents ) 3. Took {$500.00} for an appraisal that was absolutely unnecessary. 
4. Took 60 days to tell me they " forgot '' to include information at the beginning of the process that ultimately hindered my refinance opportunities with other institutions. 
5. I had a late charge on my current mortgage because of anticipation of close. 

I am absolutely convinced that Paramount Equity has serious problems with their compliance management infrastructure, such as training and internal controls. Attempting to conduct business with this company has been horrendous for my family and me. Currently we are attempting to start the process all over in spite the blemishes ( caused by Paramount ) on my credit report. This company should n't be in business as its causing great harm in the marketplace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Sessoms & Rogers, P.A.
State: NC
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:
On XX/XX/2017 I was served a complaint on behalf of XXXX XXXX XXXX from Sessoms & Rogers. I never received any prior notification of legal action. The complaint was served at my parent 's address, rather than my own. My father was informed of the service, the amount of the debt, the current account holder and the previous account holder. My rights were violated with this action and subsequently with other actions : According to the FDCPA subsection 804 : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt. Subsection 805 : ( b ) Communication with third parties : *without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonable necessary to effectuate a postjudgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, etc. Subsection 807 : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. *I have been notified that Sessoms and Rogers will attempt to get a judgment against me without providing me the opportunity to face them in court as is my right. I have requested multiple times for a court date. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. Sessoms has been sending me documentation that looks official in nature, ordering me to answer questions about myself and the alleged account, these questionnaires are titled as being from the XXXX County Court system and require the signature of a district judge before they are sent to me, none have been signed or reviewed before being mailed to me, and none have shown any sign of being file stamped and placed with the XXXX   County Clerk of Court. Therefore these documents are falsely represented to be issued by the court. Subsection 809 : ( d ) since there is no documentation provided prior to the service of the complaint, a communicaiton in the form of a formal pleading in a civil action shall not be treated as an initial communication. According to subsection 813. Civil Liability - each violation may not exceed {$1000.00} in fines/penalties. As there have been 4 violations of my rights under the FDCPA that would total {$4000.00} which is slightly more than the amount which Sessoms & Rogers is attempting to sue me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
On Date I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.

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 2015-05-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Asset Management Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit file and identified that the debt collector is now reporting the account in question in an attempt to collect the alleged debt. I have never received any initial communication from their office regarding the alleged debt or their attempt to collect on it. I also spoke with their agent, XXXX XXXX, today and advised her that I dispute the validity of this debt and the personal information associated with me in their files. She advised that she sees insurance was involved and I advised her that the address she has on file is not valid and I do not know how they received that address associated with me but she still refused to remove it from my credit file to properly provide notification of debt, allow time to conduct a thorough investigation, and allow the opportunity to dispute and request legal verification. I am unaware of and dispute this alleged debt. Therefore, please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Wallace Management Company, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX at Liberty Finance has been very rude. Has called me 2-4 times a day regarding payment. Before her there was a man name XXXX and I had asked not to be contact through references and they had put it on my file. Today XX/XX/XXXX they called my references after I had already let them know not to. I have had a rough time since my husband and son had XXXX  and was unable to work for a while. I did let her know I will contact her when I can make a small payment. She was very rude and said she will keep trying to call me after I told her not to call me or my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Convergent Resources, Inc.
State: FL
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:
On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.

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 2018-05-26
Company: Experian Information Solutions Inc.
State: IN
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:
All Credit Bureau reporting companies including XXXX, XXXX  and XXXX  are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX  where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit.

This in itself is FRAUDULENT and UNETHICAL.

Please call them on my behalf.

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 2021-09-16
Company: PNC Bank N.A.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
BBVA Compass stopped sending me statements back in XXXX. I asked numerous times for current statements but they refused. I am currently trying to refinance my mortgage of which they are a second holder. I have asked for a payoff figure but they have refused my request. The company that I am using to refi has reached out several times for a payoff figure but they refused. Each time I called for a figure, they would hang up on me. I then sent a request via email on XX/XX/XXXX but they have not responded to that either. The underwriters have reached out several times, as well. The only response I received from them, several months back was that I was in bankruptcy. I am not and have never included them in any bankruptcy!!! I don't believe that they have the right to hold my banking information hostage like that. Both the mortgage bank rep and myself called again today for a payoff amount and they declined to help. We were on the phone with them for over two hours, but without any success. They are just refusing to give us a current written payoff amount. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early. 

Please determine if this policy conforms with regulations. 
Thank you

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 2022-06-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX  My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.

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 2021-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2021 - I approached a Wells Fargo ATM outside my local branch in XXXX XXXX, California to deposit {$5100.00} to cover a check I had just wrote in the same amount. 

The machine displays a sign warning the machine can only accept XXXX bills at a time at which point I inserted XXXX {$100.00} bills into the deposit compartment, something I often utilize. 

The machine sounded different than normal while counting the money and promptly showed an error machine jam message. It then asked how much did I deposit? I entered {$3000.00} and the machine gave me a receipt showing {$200.00} available now and the remainder the following day. 

The following day I logged into my online account portal only to learn there were additional issues. It reflected {$1000.00} deposit and a WITHDRAW of {$2000.00}!! 

This made absolutely no sense to me at the time so I called into Wells Fargo Customer Service Line and after working my way through the extremely frustrating automated system I finally get a human to look into it and after a few on holds and a chat with his supervisor I was informed that it would show the correct information by XXXX ( the following calendar day ) That leads me to today, I checked yet again and yet again it has not changed. I called in and spent more than 2 hours on the phone to speak to 3 different people. 

All three shred the same information, the only I can do now is make a claim and wait up to 10 business days for them to review and investigate and if they determine a credit is owed they will at that time issue a credit for the money that they currently have in their possession. 

I feel this is unethical and possibly illegal. There is no warning anywhere on, near or within the ATM that warns this can happen. I had no way of preventing this from happening. Had it been warned that the ATM machine WELLS FARGO owns and operates could do this! Moreover, if I had know the ramifications I would experience if their machines malfunctioned I would never had used it. 

I was assured the claim is NOT FAST! I was told Wells Fargo gets thousands of complaints " just like this '' some for merchant issues and some are for fee complaints etc.. I was dismayed that the people they have in claims and dispute resolution feel a situation like this is comparable to that of a complaint against a merchant or a customer complaining about a fee they probably owned.

This bank is a JOKE! FRAUD! WELLS FAGO CRIMINALS!

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