BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint to follow up on cases- XXXX XXXX ; XXXX. 
These complaints above mention. There is a person that I have spotted 3 time. The person was taking photos of me at the gym. Trail me from the gym to my house. The person is white male, tall, with a beard. Yesterday he was driving a blue pick up truck. When I took a look at him he cover his face. The same person was again this time I was going to the park and the same person again this time he was driving a blue versa. Just now I was going to my a person with a same description was jogging around my house.

It since that this is a tactic used to intimidate me. I have file a police report. The police told me contact them a soon as you see him around my house.

I looks this is an intimidation tactics from Midland collection that are trying to collect money I dont owed. I am affraid for me and my wife. I filed a police report.

There was disputed with midland collection. They asked for a 60 days state. Maybe they wanted time to contact private. I hope CFPB to action in this matter I am affraid for me and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that ACT was going to garnish my wages which started on XX/XX/XXXX. 
Called ACT to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing. 
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt. 
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid. 
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.

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 non-monetary relief
Consumer complaint received 2017-11-17
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX says I owe them {$40.00}. I cancelled their service within 30 days pursuant to there satisfaction guarantee which states that I will owe nothing. I also was told that I owe nothing when I turned in their equipment at their store location in XXXX, MI. They have sent the false debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT. I have notified them in writing months ago that I do not owe the debt and demanded proof that I do. They have sent me no proof that I do. Now they are calling several times a day trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX  and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter. 

thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Seterus, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2010 my mother in law passed away still owing a mortgage on her house. The house was left in a trust, the beneficiary being her son, my husband. 

For the last 8 years we've struggled to communicate with the mortgage company because we're not 'authorized ' to speak on behalf of the mortgage. We make the payments and claim the mortgage interest and real estate taxes every year. 

My husband is on the deed. After my mother in law passed away the attorney filed a new deed with his name with the county. 

We've faxed the trust, the death certificate and a copy of the deed to the mortgage company and again to the company who took over servicing the loan. 

They will not talk to us. Still. After reviewing all the documents. They will not discharge my deceased mother in law so we can refinance the house in our names. It's been 8 years. I'm tired of fighting with them. 

Every month they send someone to the house to take a picture of it and make contact with us to ensure someone is living in the home. 

They refuse to tell us why. 

Can you help? 

Clearly we have demonstrated an interest in the property, we've paid for it for the last 8 years and my husband 's name is on the deed. 

They keep saying they need a fiduciary statement. The registry of deeds and our lawyer said because the house was in a trust it never had to go to probate, therefore a fiduciary statement will never exist. 

They are making this impossible. 

What options do we have?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I am filing the complaint against XXXX, XXXX, and Transunion because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BB&T CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered and received 3 pair of shorts from XXXX on or about XX/XX/2018. I returned all 3 pair  in same pkg on XX/XX/2018 prior to receiving my statement. When I received my statement I noticed a late payment fee so called on XX/XX/XXXX and spoke with several customer service representatives and was told they would waive the late fees and I only had to pay {$9.00} to pay balance which was for shipping label I used to return the shorts. I paid it that night and have received another statement for late payment from XXXX. Apparently the 3rd pair of shorts was never credited. I emailed customer service on line and was told they only showed credit for 2 pair! This is obviously an error on XXXX or XXXX part. I am disputing the balance! {$9.00} plus late fees. Bringing balance to {$34.00}!!! Also XXXX reported late payment to credit reporting agencies which has affected my credit score. I reported dispute to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: R & B Corporation of Virginia
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT CONTROL CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Aargon Agency, Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.

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 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also Cabelas is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: ALLY FINANCIAL INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I had one outstanding auto loan with Ally Financial. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.

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 2017-11-30
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Last year i applied for financing with XXXX ( XXXX XXXX XXXX XXXX ), after losing my job. With my wife and son in school i wanted to try this since it had a money back guarantee. They sent me a link to XXXX XXXX who in turn went to Marcus Goldman Sachs to get a personal loan to pay for access to XXXX. They scammed me out of the money and the company disappeared then re-emerged this year same title. I never spoke to anyone accept the guy at XXXX and he ran my credit and the money was in my account same day. No Questions asked and i presume that XXXX and XXXX are in close proximity as well as Goldman Sachs. XXXX was supposed to give me my money back within 6 months if i didnt break even. I asked Goldman Sachs about writing the loan off and then going after them with an attorney but they just gave me the run around. XXXX was non negotiable when asking for my money back after they bellied up 2 months into my initial 6 months. Came to find out they knew about taking it down 2 months before the guy signed me ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX Department store card 19 years ago on XX/XX/XXXX. I am XXXX years old and for 19 years, my account has always been on time. Around 13 years on XX/XX/XXXX, XXXX 's automatically opened an XXXX account in my name. These 2 different accounts are both in the same physical card and apparently both managed by the same online account. I registered for Auto-Pay for my account so that there would never be a problem. I spoke to XXXX XXXX and verified that Auto-Pay was setup. However, for some reason in XX/XX/XXXX, XXXX XXXX hit me with a late payment status for the store account but not for my XXXX. This is not right. XXXX XXXX has created a very complicated system that is unfair to consumers and I would like my credit report corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: DISCOVER BANK
State: NY
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 have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving repeated robocalls from phone scammers, pretending to be with a legitimate debt collection agency ( Portfolio Recovery Associates ). I have a robocall blocking app for my smartphone that blocks the call, and I XXXX the phone numbers that I receive. They all are listed as 'scams ' on XXXX XXXX verified scam and robocall websites XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The 3 credit bureaus are not responding to my disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Better Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, applied to check of interest rate to support a refinance through company. On XX/XX/2021, spoke via phone to XXXX XXXX regarding the differences between a 15 and 30 year refinance and explained I was vacillating between deciding which would be best for my situation. During this discussion, XXXX advised that I was in a really good situation in that I could chose one or the other and then later decide which was the best option, while the closing of the refinance took place. On XX/XX/2021, identified via XXXX, company offering more favorable loan terms that I requested be adjusted with my pending loan/refinance application. After speaking to XXXX XXXX, who was stepping in to assist XXXX, that XXXX, in fact, has a float down policy and that I would not be able to make the requested, favorable adjustments found on XXXX. I am of belief and suspicion that XXXX knowingly asserted the ability to float to potentially better terms or 15 vs 30 year refinance options as a way to influence my decision-making to begin the process based on what is now manifesting to be false information.

Company response to consumer: Closed with explanation