BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a XXXX working in a XXXX for eight consecutive years. I have applied for XXXX loan forgiveness meeting all the requirements. My application was excepted last XXXX and I was told I would have an answer with in 90 days. I still have no answer going on 11 months. I have talked to ACS the loan service multiple times and they give me a response of " it is still being reviewed '' each time. I ask by who and they can not give me a answer. I am told I will be given a expedited application status and call back and for 11 months now I hear nothing and have to keep calling them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Midwest Recovery Systems
State: PA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.

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: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had water damage in XXXX of 2016 at our house. We received our check from the insurance company and then submitted all required documents and check to our Mortgage Company ( Penny Mac ) on XXXX/XXXX/2016. Even though we submitted ALL of the required documents Penny Mac would tell us that we were missing a document even though they had it. After a month of going through that they told me a check was cut on XXXX/XXXX/2016 and being overnighted. I received a Fed Ex tracking number on Tuesday XXXX/XXXX/2016 from Penny Mac that indicated my check would be delivered on XXXX/XXXX/2016 by XXXX. We did n't receive the check so on XXXX/XXXX/2016 I called Penny Mac and ask what the status was. Penny mac told me that I had a " zero balance '' and that a check for {$29000.00} was mailed through XXXX to us on XXXX/XXXX/2016. I told them we did n't receive it ... so I called XXXX ... they told me that the package ( my check ) was never called in to pick up ... so I called back Penny Mac who insisted it was picked up ... so I called XXXX back who track it back to Penny Mac and said they only created a label for it ... so I called back Penny Mac and they did admit now to not sending the check yet, but it would be sent XXXX/XXXX/2016 ay XXXX ... .so I called XXXX this morning ... .guess what? Surprise! No check was picked up. At this point, I 've made maybe a dozen calls and have done ALL I 'm suppose to do. I have significant damage to my house and just want to get back o normal. It 's been two months. Forget about the incompetence because there has definitely been a ton of that ... now Penny Mac is just flat out not telling the truth. I have done EVERYTHING I 'm suppose to do and now I 'm claiming Penny Mac is unreasonably withholding my check. I do n't know where else to go or who to turn to ... I 'm hoping you can help. I can much better explain this in person. Thanks for your help and consideration on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Capital Management Services, LP
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: National Credit Adjusters, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015 I received an initial letter from National Credit Adjusters claiming that I owe {$1700.00} XXXX. The notice violates the FDCPA section 809

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had several internet payday loans over the course of XXXX years. I have n't taken out any new loans in at least XXXX nearly XXXX years. In XX/XX/XXXX, I began getting bombarded with loan debt collection attempts, years after I was done with the loans I had had. I had calls from National Credit Adjusters, XXXX and XXXX, and XXXX. They called about a XXXX loan, a loan from XXXX XXXX, XXXX XXXX lending, among others. 
They all began the calls as pushy, trying to get me to resolve the issue right away, but I wanted to check on what they were calling about because some of the loans referenced had been paid off. In the case of XXXX loan, the lenders topped debiting from my account before the loan was over, I never stopped paying, they just would n't debit anymore. I got off the phone the first week the calls began, researching the legitimacy of the XXXX. I then stumbled on the fact that the loans I had, were all internet loans, and they were actually void in my state. The next time I got a barrage of calls, I answered or called them back, and as they were telling me that I was going to get taken to court, and I informed them most of the loans I had were paid back, but even if some were not paid in full I always paid every lender well over the principal balance, and the loans were void and unenforceable in my state. That sent the XXXX over the edge, and they would rush to tell me there was a chain of custody, and that the loans were completely legitimate, and were very ugly in how they addressed me. They were very irate and insisted they could take me to court no matter what, and that I would have to pay much more than I had even borrowed from the lenders, no even counting any of the payments I had made or the loans I had paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I would like to file arbitration against Scottrade. Scottrade has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been with RushCard for about 3_4 years now all of a sudden beginning XXXX of 2015 there has been an issue with me getting my funds into my account here it is again XXXX XXXX and again the same problem no funds from my job direct deposit been calling since XXXX XXXX no answer I have no money and XXXX kids what am I suppose to do mean while I did n't even receive an email or nothing please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased an e-gift card and never received confirmation of the card being sent by email nor has the recipient received the e-gift card. My credit card used to purchase the e-gift card was charged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last fall, Citibank offered a {$400.00} interest bonus as part of a promotion for depositing {$15000.00} in a newly opened checking account and leaving the funds in the account for 30+ days. I opened a new account with them on XX/XX/2016 with a {$15000.00} deposit, and left all the funds in the account for 35 days. The Citibank promotion said the {$400.00} bonus would be paid within 90 days of meeting the deposit requirement. We are now well past the 90 day time period, and I have not received the bonus. I opened up a case with Citibank 12 days ago to see why they did n't fulfill the promised bonus, and they have not responded. Since I am getting no response from them, I hope the CFPB can help me to get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I previously submitted comp. # XXXX regarding a so-called PayPal Credit account, # XXXX XXXX XXXX XXXX, that I had no intention of opening in the XXXX place and find impossible to cancel though I 've sent multiple letters and email requesting closure. The original charge was for {$38.00}. I sent them a check # XXXX on XXXX for that amount along with a request to cancel. No response other than computer generated bills spitting out and now a whopping {$130.00}. I just paid them that amount on the advice of counsel to avoid further damage to my credit rating. They give " gotcha '' and " scam '' a bad reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?

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 2015-12-01
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation