BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.  After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I'm in the middle of a job change and relocation. Something needs to be done about this ... how can they continually violate the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Capital One two Legal Notices, and two Promissory Notes, via Priority Mail, that they received on XXXX, 2017, Tracking Number : XXXX. 
The Legal Notices and Promissory Notes were for accounts ending in XXXX and XXXX ; I specified that the Promissory Note is Legal Tender, and a Negotiable Instrument in line with the Uniform Commercial Code, and the GAAP, ( Generally Accepted Accounting Principles ) which are the guidelines that banks are supposed to abide by. 
XXXX XXXX XXXX failed to take action on my Negotiable Instrument in the allotted time allowed by law and is refusing to except my Negotiable Instrument as Legal Tender to satisfy and discharge the debt that I had with them, in spite of what the law says. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by XXXX of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item. 
UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A factoring company called XXXX was supposed to send a payment to me in the form of a check for {$2000.00}. I asked them before beforehand to send a check because I had to close my bank account. They told me they would mail the check to me, but they did not. The company sent the payment to the closed account using ACH from Wells Fargo when they told me they were going to send a check. I contacted Well Fargo an they stated the company that sent the money would have to request the trace because I was not their customer, they could not help me. I feel like they are trying to defraud me. I contacted the bank XXXX XXXX that the closed account was sent to. They stated the account was indeed closed so they rejected the payment as it could not be posted to a closed account, that payment was sent back to originator. They told me to contact Wells Fargo. I have contacted XXXX, XXXX XXXX and Wells Fargo multiple times with no resolution. The vendor is not being helpful tracing the funds. I feel like they are just trying to keep my payment. It should not be this difficult for an average hard working American to trace and collect a payment that is due to them. Please help.

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 2020-08-20
Company: ID Analytics, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2020, I applied for an auto loan. I was approved for a loan with an outrageous interest rate and monthly payment of {$800.00}. I was floored. I declined the loan. I was confused because my credit scores with XXXX, XXXX and XXXX are all XXXX at the time. A couple days ago I got a denial letter ( a month after ) from XXXX XXXX ( with whom I already have a car financed ) stating that they wouldnt finance me because Sage Stream had reported a XXXX for a credit score. This is bogus. Sage Stream is a company engaging in shenanigans with certain banks reporting lower scores so that the banks can charge higher interest rates. I advise anyone who sees this to go to the Sage Stream website and freeze their credit report with this company immediately. The authorities and Credit Reporting Agencies should file fraud charges on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have, in the past, applied for mortgage modifications with Bank of America On numerous occasions since XXXX only to be denied. I recently paid close to 12k in cash in approximately XXXX of this year to pay down my balance and have a final balance of {$3400.00}. I have missed XXXX and XXXX payments due to unexpectedly replacing my roof and emergency repairs to my heating system. My tenant also broke a lease unexpectedly and moved in XXXX. I have called Bank of America and  requested a workout plan k my to again be denied so that they can push me into foreclosure and attempt to take my home for a mortgage balance of less than {$4000.00}. They refuse to provide phone numbers for the Presidents office to provide assistance and allude to the fact that they can start foreclosure proceedi vs at any time over a {$3400.00} balance. I have assured them I can make full payment of my regular mortgage in XX/XX/XXXX if the government does not shut down as I am a government employee which wou.d reduce my mortgage balance to under {$3000.00} but XXXX and Supervisor XXXX Had an said adamtly no there is nothing they can do. BOA has repeatedly denied my modification requests in the past by saying my income is insufficient but it strange that I have made my mortgage payments in excess of 23 years as well as paid them a lump sum of {$12000.00} towards the principle in XXXX/XXXX of this year. This proves outright that BOA is consistently trying to take my home to profit from it and offering no assistance on a {$3300.00} mortgage balance that would be paid off over a period of maybe 3 months. I believe they are committing consumer fraud by not acting in good faith.

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 2018-12-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.

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 2018-11-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Wells Fargo credit card for almost 2 and a half years. It's a secured card. When Inopened the account, I was told the would be graduated to an unsecured card after 12 months of ontime payments and the balance is paid in full every month. I did that for 18 months straight. When they were questioned about why it had not graduated, 3 different reps gave 3 different excuses. I finally quit paying the balance in full every month because they kept giving me excuses. I even got an unsecured card from XXXX XXXX XXXX for the same limit as my Wells Fargo secured card. Furthermore, they have increased my limit by {$100.00} 2 months after getting the card. Yet, Wells Fargo refuses to graduate the card. This is false and misleading so they can keep and pocket the security deposit or not pay the interest on the deposit as they had promised. Finally, there have been times where Wells Fargo does not report it to my credit bureaus unless I complain. This needs to stop before I contact a lawyer and go to all of the media outlets. The reps have even been rude and abrasive when questioned about these issues. One rep stated if I don't like it, they can close the account and I can go somewhere else!! Really??!!

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the Trans Union and XXXX  and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter  XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.

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 2020-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in my lease vehicle on XX/XX/17. I cleared up all cost when the car was turned in. Later I got a bill from Toyota Motor Credit Corporation stating that I {$600.00}. I disputed the bill and had my lawyer write a letter explaining my position. I am adamant that I do not owe any money. I have sent numerous letters explaining my position and I never get a response from my letters I just get letters stating that I owe money. At first XXXX XXXX XXXX had this collection for XXXX XXXX XXXX ; now it has been transferred to XXXX XXXX collection and the the bill has now dropped down to {$100.00}. The address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone XXXX. 
I do not owe any money to XXXX or XXXX XXXX 
The amount in question is {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card company failed to make a payment on my due balance, even when they had my auto-pay information. I changed bank accounts but the thwy used the wrong account, My credit score dropped 150 points and I'm trying buy a home. Capitol One refuses to anything about the mistake I attached the statement of the " missed payment ''. 

I never received a single call letting me know of this change in account status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account placed with 2nd collection agency. XXXX automatically renewed service after 2 yr contract, tripled my monthly rate, called to cancel and they charged XXXX cancellation charge. Placed with another agency that removed debt. Idiots at XXXX replaced. I want this removed immediately!!!! Also filing a complaint with FCC for unfair practices. Also this is over 7 years old!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Mr. Cooper Group Inc.
State: DE
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:
I made a payments on the Mr Copper website for XX/XX/XXXX and XX/XX/XXXX and its was reported 30 days delinquent both months. The payments are made before the end of the payment due month. I notice the payment amount had change in payment due for XX/XX/XXXX later on. I dont think that if the payment was made before the end of the month that I should be reported 30 day past due. Also, I dont believe I should be 30 day past due for XX/XX/XXXX if I made the payment on there website and the amount was for that month due was made. I believe there was a computer glitch that did not reflect the true amount due once the month amount changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called dovenmuehle to get a pay off .To refinance my loan there refueling to send one today I call. And they said the sent on off I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I purchased bitcoin for {$260.00} from Coinbase.com.  At the time of the purchase I was told that I could use the bitcoin anywhere, anytime, without doing anything except signing up and depositing funds to my online account, XXXX. I originally found out about Coinbase.com in XX/XX/XXXX thru their internet ad that claimed to be the world 's most popular way to buy and sell bitcoin. However, I found out they had nothing but customer complaints and a XXXX rating of " F ''. I attempted on XX/XX/XXXX to send the bitcoin and they locked my account and told me that I had to send them more id and additional time consuming and very difficult online verification, none of which Coinbase.com explained to me at the time I purchased the {$260.00} in bitcoin from them. I contacted Coinbase.com on XX/XX/XXXX, thru XX/XX/XXXX and discussed my difficulty and inability to use the bitcoin as promised with XXXX, XXXX, XXXX, XXXX and XXXX and asked for a refund in the amount of {$260.00} but I was told by XXXX in coinbase support that I had to wait until XX/XX/XXXX and also send them additional information and did not receive my requested refund or any part of it at all. On XX/XX/XXXX I still was blocked from sending funds and closing my account. 
I want the XXXX XXXX XXXX to investigate Coinbase.com and to file a lawsuit against Coinbase.com to prevent them from selling this bitcoin without clearly explaining in advance all the extra steps people need to take to use it and without making it very difficult and/or impossible to use. I also want the CFPB to sue coinbase.com to obtain penalties and refunds for me and many others whom I believe were misled that the bitcoin could be easily used for purchases. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Purchased our home in XXXX. Ultimately foreclosed in XXXX XXXX. The lender was Ocwen. Made several good faith attempts to save our home including working with a real estate agent to short sale the property -- which the offer was declined by the bank and eventually auctioned for an amount significantly lower than the short sale offer. Attempted to negotiate a loan modification, but never able to finalize details -- always seemed to get the run around with them -- long wait times when trying to speak with anyone from the company, being transferred from XXXX unknowing representative to another, unable to reach anybody, etc. Husband withdrew money from his XXXX to save the home. 
Because of the devastation of losing the home, it never occurred to me that there may have been conspiracy or fraudulent dealings with the loss of the home. At the time, we had XXXX small children ( ages XXXX ) to find another home for. At first I thought it was bid-rigging after reading an article about that concept. I reported the incident to the XXXX and they referred me to you. Balance on the home was {$700000.00}. Sold at auction for {$280000.00} on XXXX/XXXX/XXXX purchased by real estate investor. Sold for {$480000.00} on XXXX/XXXX/XXXX. We worked with a real estate agent to short sale to save our credit. The short sale offer to the bank was significantly higher than the auction price -- do n't have that dollar amount off the top of my head. 
Needless to say, lives were destroyed. Caused so much hardship that the marriage was affected and the family is now broken. Hundreds of thousands of dollars in personal loss, credit ruined and just an overall loss of faith in ever owning a home again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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 2018-06-16
Company: Bread Financial Holdings, Inc.
State: NY
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'm contacting your company again because I just checked my credit report and now XXXX is also displaying fraudulent account balances to lower my credit score. XXXX   is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX which these accounts are fraud and I want them removed from my credit report at one.

Company response to consumer: Closed with non-monetary relief