BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: CARMEL FINANCIAL CORPORATION, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I don't know who owns my debt. It is either XXXX XXXX or Carmel Financial Corp. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX Carmel Financial Corp : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.

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 2022-07-10
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me frequently about XXXX times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to MediCredit on XX/XX/2020, returned receipt, they received the letter on XX/XX/2020. In this letter, I requested validation of the debt. This company has failed to validate my debt, Instead, I received a letter dated XX/XX/2020, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have not authorized and they are not listed as an authorized or legal representative to access my personal health information. This is a violation and I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2020 I received a Reliacard debit card from US Bank that I did not request. I tried contacting US Bank to cancel the card, but was placed on hold and was unable to speak to a live representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Citi bank had a promotion to open an new account. 
On XX/XX/XXXX, I opened the checking account for {$1000.00} and the saving account for {$49000.00}, total of {$50000.00} to be Priority costumer. 
They said keeping {$50000.00} for 60 days is eligible to get a cash reward of {$700.00}. 

After opening those accounts, I received the letter to tell that I have to submit my ID and a proof of my current address. On XX/XX/XXXX, I faxed my Driver 's license copy and one of my monthly payment which shows my address. 
After this, I received the application booklet in a mail. I applied it by faxing on XX/XX/XXXX. 
They told me to check my states calling the costumer service. I did few times, on XX/XX/XXXX, XXXX and more. One of my conversation with them, I made sure when the cash will be delivered and when I can move the {$50000.00} to a CD. They said the rewards will be after 60 days and I can move them to the CD after 90 days. 
I received the check book and the debit card some time later. I didn't activate the card right away but I did it on XX/XX/XXXX. On XX/XX/XXXX, I receive an email telling I am not qualified to receive the {$700.00}. I called next day on XXXX three times to get a right person who takes care of this matter. They explained I am not qualified because the transaction of money was on XX/XX/XXXX.It was required to do in 30 days after opening the accounts to be eligible. I talked with the supervisor, XXXX, on the phone to explain that all process were handled by them. It was not I could control of speeding up. My calls I made during the process, none of them made encouraged me to do faster. They know the time when they transfer money was already exceeded 30 days but they kept my money for 60 days. 
XXXX was nothing but robotic to talk to me. I said to her that you should shame of yourself working at this bank operate a scam.I got so frustrated to be treated this way so I cancelled my accounts at this moment on the call with XXXX and I got money back on XX/XX/XXXXwith interest of {$9.00}. 
I was under big shock being treated by big as Citi bank. I never had any experience awful as this in my whole life. 

Their address in envelop is : Citibank Citibank Client services XXXX XXXX XXXX XXXX XXXX, TX XXXX Other address : Citibank, N. A Atten : Citi Priority XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Phoenix Financial. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. The original rep I spoke with was combative, used vulgarity and refused to disclose my account # which resulted to him hanging up in my face. In addition, Rep violated HIPPA by disclosing sensitive information prior to authenticating account fully! I called back a second time and spoke with Supervisor XXXX XXXX and was able to obtain account number. I advised her I do not have an account with Phoenix Financial and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Phoenix Financial. I  am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing a complaint due to harassment and the lack of professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened in my name and i have been trying to resolve this with TD Retail Card Services. The opening and purchase occurred in another state. Company refuses to remove from credit report. I've tried to resolve this over the phone but can't get through to their customer service in a reasonable amount of time. Have spent hours on the phone waiting for a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX am ( tracking # XXXX ) Transunion received one of several dispute letters regarding fraudulent established accounts that are being reported on my Transunion credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Transunion as well. On XXXX @ XXXX pm ( tracking # XXXX ),  Transunion received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Transunion credit report. I have stressed the negative financial impact to Transunion this has taken on my personal financial status, sent in supporting documentation, and yet Transunion still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90  days and no proof of accurate verification or original correspondence have been provided by Transunion as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.

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 2016-10-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I gave XXXX XXXX XXXX access to my Capital One credit card to transfer funds to me. XXXX XXXX made an electronic telephone payment on XX/XX/2019 and then reversed the payment that took my account over the credit limit of {$15000.00}. I called Capital One and they said the account is closed and restricted so they will not discuss my account or provide any information. XXXX XXXX   XXXX took similar actions with my XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Loan was taken out in my name as a result of identity theft. Debt collector sent certified letter and XXXX delivered it to wrong address and I did not sign for it. I was not made aware of attempt to collect until after garnishment of wages began. Debt collector was called as is not helpful. Tells me I need to contact lawyer and transfers me to phone number where I leave a message and no one calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a credit line with Navy Federal Credit Union for XXXX $ on XX/XX/XXXX of XX/XX/2020. They also tried to open other credit cards in my name!! They said I work for the XXXX which I have never been in the military. Also using a address I have never been to in XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. I need this taken care of asap. How ever we have to do it need to do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
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: Personal information incorrect

Complaint:
My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus

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 2016-08-27
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in regards to the above reference account that Linebarger Goggan Blair & Sampson , LLP has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: ASTORIA BANK
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am disgusted with how Astoria has handled my loan for months. First my loan was denied because i did not qualify for an affordable mortgage payment due to not enough income. Astoria had me re-apply and has and was promised a fair review, however this did not happened. I have provided enough proof to Astoria that my home is severely underwater. This is really stressful because i am tired off all the excuses Astoria has given in order to deny my loan modification. Recently, i was told to participate in any government modification. XXXX also mentioned the only option was to reinstate my loan or sell my home. Therefore, I am forced to file a complaint with my Attorney General XXXX XXXX. Astoria Has never reviewed my loan fairly despite participating in HAMP programs. I am struggling homeowner and i can not afford my mortgage payment. I have been trying to with you to no options. Additionally, you informed of the making home affordable modifications and now that i request help you deny me. I will give you one last opportunity to assist me. Otherwise, I will proceed with my complaint with my attorney general and provide proof of all correspondence exchanged. You make it seem like you want to help me but in realty are doing everything in your power to foreclose on my home. I hope by me writing this letter of complaint my case will be investigated with all of this injustice are done against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation