BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: Senex Services Corp.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TD BANK US HOLDING COMPANY
State: GU
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have no idea who Pro Collect Inc is. I have not had any signed contract with them and had requested they remove this account from the credit agencies. I do not have any contract confirming I owe this amount. We will need to go to court for this debt so that a judge can determine it is not mine. They have my name but can not verify any of my person information.

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 2015-09-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. 
This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. 
I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. 
For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. 
Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. 
A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. 
Very disappointed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because I was trying to buy a home and the lender approved me, but then they found out that Bank of America ( my previous lender ) had waited 5 years before foreclosing on a property I had surrendered in a XXXX bankruptcy. 
So instead of having good credit ( score XXXX ) and being approved to buy a house ( thanks to the 7 year rule for bankruptcy ), I ca n't buy, thanks to Bank of America. 
How is it legal for a bank to do this? There is a law that my bankruptcy is ignored on my credit after 7 years, but apparently B of A has found a way to get around this and hurt borrowers for years and years? 
B of A actually caused my bankruptcy. They would not adjust my loans and would not explain why I did not qualify for that, and they lied to me repeated on the phone about my loans. Now this. 
If I need to word this as a complaint, it is simply that my credit should be good now, since 7 years have passed, but thanks to B of A postponing foreclosure, my credit is still bad and will be for five more years. 
Yes, the current lender had suggestions, but they boiled down to a much, much higher interest rate ( nearly 7 % ), much larger origination fees, and just a bad mortgage. So those of us who got hurt in the " recession '' of XXXX are again punished. I wo n't buy a house at nearly 7 %. 
Thank you for listening.

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 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.

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 2016-04-30
Company: Convergent Resources, Inc.
State: CO
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:
Covenrgent outsourcing is attempting to collect a debt that they clam is from XXXX XXXX, in XX/XX/XXXX. They sent me false documents of a bill from XXXX, with an address in XXXX, Colorado. I have not lived at that address since XX/XX/XXXX. I want them to stop contacting me and stop attempting to collect this false debt.

Company response to consumer: Closed with explanation