BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: Certified Services, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.

Company response to consumer: Closed
Consumer complaint received 2015-10-06
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Penn Credit Corporation
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Has called my home more than a dozen times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.

Company response to consumer: Closed
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of.You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Equifax, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Neighborhood Assistance Corporation of America ("NACA")
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Upon becoming a member with the naca organization my realtor was aware of homes i could afford. While viewing homes i was informed i that i was eligible for a home that was shown to me. I then proceeded to the next step which was paying the expense of all inspection cost. Which came out to be a total of {$640.00}. A break down of {$320.00} towards building inspection, {$220.00} towards plumbing inspection, and {$95.00} towards termite inspection. With such disappointed, shortly after i was informed by XXXX XXXX XXXX that i could not be approved for that home. I also inquired about receiving a refund of my membership fee of {$30.00} dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
A credit information consolidator, acting on behalf of my mortgage company, made a number of improper " hard '' credit inquiries in 2016 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. XXXX inquiry was specifically not approved and during the application process multiple inquiries were made within a 30-day period. I authorized 1 inquiry. I contacted the reporting credit bureaus who referred me to the credit information consolidator. The credit information consolidator refused to remove the unauthorized inquiries because they were acting on behalf of the mortgage lender. I contacted the mortgage lender and they now refuse to remove the credit inquires. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Nationwide Debt Management Solutions, LLC
State: CA
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:
This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing this letter to inform you that I am a victim of the discrepancies of accounting by Ocwen Loan Servicing of my mortgage account for my house. I purchased my house new and have lived at this house for 30 years as of this past XXXX XXXX. We started with XXXX Mortgage then the loan has been shuffled around over the years to quite a few companies including XXXX XXXX Mortgage and Homeward Residential. Lastly we found ourselves being serviced by Ocwen Mortgage. I had absolutely no say or real notice of these transactions over the years. I presumed that this was a common practice for servicing companies and banks. A few days ago I received a letter from a company I had not heard of before named XXXX. Nationstar documents they sent to me stated they were now in charge of servicing my mortgage. Again I presumed this was just normal day to day banking activity UNTIL I read the documents from XXXX stating that the documents from Ocwen claim that I was delinquent for the past 6 months. THAT IS AN OCWEN LIE! I called Ocwen over and over again only to be shuffled between XXXX and the XXXX. No one would give me a straight answer as to where my payments had been going. I went to my bank, XXXX Bank in XXXX California, as well as checking all of my online activity. All documents confirmed that each payment was made on time and that Ocwen had received and cashed each check. Apparently the payments were either credited to someone else 's account of were stolen by an Ocwen executive. Upon further investigation I found numerous charges ranging from fees and insurances which were unfounded. I have always had insurances and had always notified Ocwen proof of insurance directly from our HOA and private insurance company XXXX. Next of course I called XXXX and explained these facts to XXXX people in several different states. I finally was able to be contact XXXX XXXX at XXXX in XXXX California. He was and has been very helpful in trying to untangle this accounting mess. I searched online and found that Ocwen has been deceiving clients like me for years and has been levied with millions of dollars in fines by CFPB. Apparently Ocwen has been collecting payments from many of their clients as me and not applying the accounting. Then Ocwen shuffles us to other service providers with documents stating we are delinquent, in my case 6 months ( A LIE ). Ocwen pockets ( steals ) these funds leaving us with destroyed FICO scores, decimated financial reputations, delinquent status, threats of foreclosures, and a cold shoulder. I have documents from my bank that Ocwen received the funds and " cashed the checks ''. A guess would be that someone at Ocwen has hidden my money in an executive 's XXXX bank account. XXXX has promised not to move forward with any foreclosure nor fines and fees until this is resolved. I hope they keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2014, I opened a Care Credit card as a way of funding dental work. The card was six months at 0 % - so I spaced out my payments to be paid off in six months. On XXXX XXXX my balance was {$160.00}, on XXXX XXXX, Synchrony charged me XXXX in interest making my new balance XXXX. Can they do this? Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made XXXX calls wo n't answer keeps saying no one is available and all mailboxes are full. We have not been able to speak to ANYONE since they took over loan. Making XXXX calls and not able to get through on XXXX seperate phone numbers is not good faith business

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested validation from AD Astra. As of XXXX/XXXX/15 I have not received any proof of this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.

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 2016-08-24
Company: Colony Brands, Inc.
State: OK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 sent multiple letters to this deceptive collection agency and they have REFUSED to send me any proof of a debt ever existing that they have reported on my credit reports. they ask ME for proof which makes no sense at all! They are reporting an verifying unvalidated information on my credit reports. I have written letter after letter since XXXX 2015 with nothing other them them responding with their name, rank and social security number! I want billing records, a contract, not a paragraph telling me they own a debt without one bit of proof that they purchased any debt nor that the debt is mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid this account through XXXX XXXX XXXX and there is still a balance being reported. Please remove this account from my credit report since I have disputed it before and it was verified as accurate.

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 2017-02-23
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Issue: Credit determination

Complaint:
My credit report show I have a credit card I have no knowledge of. I disputed the card with XXXX and the dispute was resolved but the card remains. How is that? In the credit report there is a street address for the bank. There is no phone number of web contact. I have been removing these unannounced credit cards from my report. As I said, I have no knowledge of this card. I get no correspondence from them. I have not activated the card. I want the card gone. Can you help me. The bank is CITICARDS CBNA, XXXX XXXX, XXXX XXXX, SD XXXX. 

I do n't understand what the advantage of these credit cards are. The are not used. They are not known about unless you track your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I did not provide all of the information to purchase a vehicle and somehow acquired a loan with a dealership. I have been contacting the XXXX XXXX and asked them to provide me with the information they have that was used to get me a vehicle loan when I had already had a open vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Every time I have a XXXX balance on my Macy 's credit card, I get a {$2.00} charge. For what? I have called and they say I do not have to pay it, yet, others who have n't paid, had it accumulated and then got charged late fees! So I pay it, but it is n't right. If I have a XXXX balance, then I owe, NOTHING. Also, I noticed in collecting my bills to file this, I have been charged {$2.00} on top of interest!

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 2016-02-11
Company: Hillcrest Davidson & Associates
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently contacted American Express regarding my XXXX credit card, and was told my account would be transferring to XXXX and I had no control over the $ XXXX in credit on the account. XXXX has severed ties with American Express, and have urged customers to get the new XXXX-issued card. I have had horrible and unacceptable experiences with XXXX, both in terms of their customer service and attempting to use their product. I absolutely DO NOT want another XXXX card. 

As I have been told by AMEX, an account holder can only have XXXX " line of credit '' with AMEX, the amount of which is divided among the AMEX cards issued to the account holder. I signed up for the XXXX XXXX XXXX card in preparation of the XXXX card closing, and transferred half my credit to that card. When I called AMEX I was told that the remaining $ XXXX ( still on the XXXX card ) was locked and I could not transfer it to the XXXX. Now I am stuck, because I either lose $ XXXX in credit by closing the account, or accept a card that I in no way ever signed up for issued by a bank that I do not want to do business with. I feel this behavior is extremely fraudulent and unacceptable. I NEVER gave XXXX any permission to handle or modify my account with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list.

Company response to consumer: Closed with explanation