BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion is not reporting my correct score with them and also with the other credit reporting agencies ( XXXX and XXXX  ). 
TransUnion has recently provided me with a credit report without providing me with my credit score. They ask for a charge to provide me with such information. 
I pay TransUnion monthly so I can have access to their website and I can monitor my credit score. 
Unfortunately, all the scores ( TransUnion, XXXX, XXXX ) online through the TransUnion site are wrong and not updated. 
Also, I had a derogatory issue in my credit, and it has been disputed and deleted by XXXX and it still appears as an Alert through the TransUnion Site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CAVALRY INVESTMENTS, LLC
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
portfolio recovery is making numerous attempts to collect debt that im not sure what the charges are? this is adversely affecting my credit ... all other debts are paid and are current, not sure what portfolio recovery is trying to collect monies for, have not received any written notification of this debt. numerous phone calls to my phone while im @ work and @ home are annoying, they also tagged my phone so when im on another phone call they try to call in. this seems to be illegal that they know when im on my phone? would like to resolve this matter, so it is not affecting my credit score for  future loans and or services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. 
I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was a result of identity theft police report and identity theft affvaidt was submitted ; company refused to discharge debt so went ahead and paid the balance to not have the account reported to bureaus. Received a paid in full letter then 2 weeks later received got another statement contacted company was advised that they would investigate and account would be closed instead the account was added and back dated on all 3 of my credit reports ; again contacted them providing all documents to support ID Theft and cancelled check ( proof of payment ) again received an investigation letter and less than a month later another statement. I believe that the company is ignoring the supporting documents and keep verifying to credit bureaus invalidly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: REGIONS FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment. 



I was also still able to use my debit card just can not see access my account online. 



I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account. 



Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!! 



Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank account.

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 2020-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In attempt to, Avoid Bankruptcy. 
Respectfully, request to process various complaints against, " Banks of America 's Robust Auto Loan Department. '' That uses the American Logo to, scrutinize accounts. 

This Banks ' Robust Auto Loan Computer Repossessed my Automobile, & failed to mail a notice ( documentation ) or, tell me over the phone of, when and where to recover the automobile? 
Even though, I was constantly in contact with the recovery department. Right, after, this Bank had taken the vehicle with all my belongings inside. 
Forcing me to, pay XXXX $ dollars to, retrieve my own property from, inside the vehicle. 
After, the vehicle was secretly undersold or Auctioned from, this location? 
Then, The Bank contacted me to ask for, the remaining amount of, money left on the contract, witch was a debt of, over {$10000.00} U.S Dollars. 

Why was I still been asked to, keep my side of, the contract? 

After., No-body had presented, " The Opportunity to, recover the XXXX XXXX '',  property that was still under contract. 

Is breaking their part of, the contract an illegal action, and deliberately harmful? 

Since, XX/XX/2018. I made many complaints to, all there different departments. Expecting, Some one would do, What is right?

( I ) To return my mode of, transportation.

( II ) To adjust their error-anus / erroneous Robust Computer Software '' That automatically transfers pending accounts to, 3rd parties ; Whom take the law into their own hands & into their pockets.

for, example " How many Vin numbers were under-sold, and then resold for, a fair price. In the shortest amount of, time? 
Dear, Repo workers, have u processed any documentation in lieu of, fair adjustments? or, how many people have been ( R.I.P.ed ) off / A.k.a, set/off by, the banks ' " Auto-math-ic / Automatic, transfers?

The Banks ' Reasoning?

Bee-cause " The Auto Loan Department is Under, " Staff ''. A Morbid, Virus that is only, high in response for, Collections?

Therefor. Who is Responsible for, taking property, Under contract. witch, left, a family without a reliable mode of, transportation & lost of, income that escalated to accumulated debts on, a credit report that does not, adhere a refinance or substantial new loan. Increasing a XXXX  veterans XXXX  followed by, XXXX, and XXXX?

In attempt to, Avoid Bankruptcy. Please, process

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 2021-04-12
Company: DISCOVER BANK
State: TX
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:
XXXX, XXXX, I was cyber scammed, I had Discover card agent on the phone telling them do not except this charge, they still gave the bad guy the money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Emerald AR Systems, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Emerald AR Systems is harassing me. New items appear on all ( 3 ) of my credit reports and they are items which have been paid / and or included in my Bankruptcy. The original companies are : XXXX XXXX and XXXX, and XXXX XXXX. 
Emerald AR Systems is conducting FRAUD by trying to collect on already paid invoices. I received the latest Invoice which was dated : XX/XX/XXXX for ( 3 ) items with service dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all XXXX XXXX which were included on my XXXX Bankruptcy. They even addressed it to XXXX XXXX which that has not been my last name for over 12 years. I continue to be harassed with daily phone calls, and even though I have disputed with ( 3 ) major Credit Reporting Agencies, Emerald will state they are accurate or they will rename the same invoice and change the date. FRAUD

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 2019-01-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. 
On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. 
If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ENOVA INTERNATIONAL, INC.
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of a CashNet USA loan that was taken out using my personal information. I have been the victim of identity theft and am currently dealing with several different occurrences. I attempted to resolve this fraudulent account directly with CashNet USA and have spoken with them several times by phone and email since last week, and they have determined the account to be legitimate and have stated that I do owe the debt. I have independently spoken with XXXX regarding the account where the payday loan was deposited, and they have confirmed that I have no ties to that account. I have filed a police report in regards to this as well. The payday loan application used a fake phone number and email address, as well as a false employer. There is ample evidence confirming that I am not responsible for opening this account, and I wish for CashNet USA to cease collections and mail me a confirmation that they will close this account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the debts and received bills. This is not sufficient validation.

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 2019-03-31
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've tried reaching out three times with no response I specifically asked for the collection letter to be sent so that's I would be able to confirm and make payment by mail, I have not yet to receive any paper by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: SYNCHRONY FINANCIAL
State: CA
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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX  XXXX XXXX XXXX California 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