BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Medical & Professional Collection Services, Inc. NC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Company never sent me notice of medical debt owed and is now using fake phone numbers to contact me. They call from phone number XXXX. They tell me to call that number back but it leads to a disconnected number for a permanently closed business by the name of patriot land title in XXXX Indiana. 

The caller refers to their company as Medical & Professional Collection Services which when you look that business up the actual phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX, car reposed by KIA Motors. After calling KIA for instructions on what was needed to get the car back. A cashier 's check was sent to KIA on XX/XX/XXXX, XXXX amount owed. My mom and I called KIA on XX/XX/XXXX, to get status update, we were told that even though it was cashier 's check they would have to clear it and due to holiday season it XXXX take some time. On XX/XX/XXXX, I called KIA, they told me the check had cleared. I would need to call to schedule an appointment with the XXXX XXXX XXXX in Maryland for my personal belongings and the vehicle auction house in Virginia to get my car since they had it moved to that location the week before. On XX/XX/XXXX I obtained an appointment from the XXXX XXXX in ( MD ) and auction location in ( VA ). On XX/XX/XXXX, I got my belongings from XXXX XXXX  and vehicle back auction location with additional separate fees from the XXXX XXXX to get my belongings back and additional fees to auction location to get my vehicle back. XX/XX/XXXX, I went to ( MD ) XXXX to get new tags, was told ( No Vehicle in My Name ) anymore no Title was it transferred to XXXX on XX/XX/XXXX. XX/XX/XXXX KIA sent me XXXX to get title. I returned the same day XXXX # XXXX XXXX received XX/XX/XXXX but when calling KIA, they said XX/XX/XXXX per phone call with them on XX/XX/XXXX. On XXXX sent it to XXXX, KY ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX via XXXX  XXXX. XX/XX/XXXX, called KIA twice for status update was told first time additional XXXX weeks for title and on XXXX call that day I ask for email record stating additional XXXX weeks for title with my father beside me they said they couldn't send me an email. My dad spoke to them too ( XXXX XXXX XXXX XXXXXXXX just said check back in approx. week. We can't give you any further information on our request. KIA rep said I already inquired on the XXXX of XXXX they sent a request in for update then. KIA still wants monthly payments but at same time inhibiting me from driving, I am requesting to see if any laws have been broken by requesting payment on something while still inhibiting the individual use at the same time thus effecting/hampering my employment options.

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 2021-06-03
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Over the course of several months, I have sent over twice the money to pay my monthly mortgage. Freedom Mortgage has continued to apply the additional monies to the next month 's payment. Depriving me of my right to pay off my mortgage quicker and according to the instructions I have provided to customer service through emails and phone conversations. I have sent several emails requesting the extra monies be applied directly to the principal. Each time after payment, I must call or email them to have the adjustment made to my account. It seems I am being penalized for extra payments.

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 2018-07-16
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX 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
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information is going everywhere. finally, the IRS team notified me of what's going on. I don't open most accounts and fraud activities, and I therefore request that it be removed from my credit report immediately.

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 2023-05-08
Company: EQUIFAX, INC.
State: FL
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Date : XX/XX/2023 Issue : Account Limitation My account in Paypal is new but When I received 1 transaction my account was permanently limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reached out to the company seeking a resolution. After my request, client sent documentation claiming that I owe a total of {$1100.00}. The break down sent is clearly a misrepresentation considering my move out date was XX/XX/XXXX and my lease ended XX/XX/XXXX. As you will see that a New security deposit, 1 month rent, prorated base rent, eviction fees late charges and Base rent totaled {$1400.00}. I received a credit of {$300.00} which gives me the new total of {$1100.00}. Company is unable to provide why a new security deposit and charge were calculated. Not to mention the {$450.00} in rent due, including the late charges of {$75.00} and Eviction Fees of {$99.00}. None of these fees should have never been included as I was on a month to month lease and the funds were potentially stolen by an employee that is no longer with the company.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09
Company: BB&T CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process  normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX 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
Consumer complaint received 2023-08-11
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My former mortgage company transferred my mortgage to XXXX in XXXX, told me in XXXX. Right path applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least 3 complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for 5 months in a row from Rightpath Services. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Reference ( Copy of Email Communication to date ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX : Requested to have account closed since credit line was denied and no business transaction was going to be enacted. 
XX/XX/XXXX, Their response in brief : " ... we regret to inform you that XXXX can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. '' The rest of the email response is referenced above. 

No exchange of funds transpired, but personal information may be at risk of being sold, abused, or misused. They chose to not do business with me, and I chose to not do business with them, therefore requesting to have my account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was notified on XX/XX/2023 that my account was closed, with no reason given. I filed an appeal, and received an immediate response saying the same thing. I have never used my account for illegal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted XXXX total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SELECT PORTFOLIO SERVICING, 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: Information belongs to someone else

Complaint:
I'm divorced XXXX I had a joint mortgage with XXXX they released me XXXX it was sold to XXXX XXXX then sold again XXXX to Select portfolio services ... ..XXXX Select Portfolio Services is now recording his loan on my credit ... .XXXX is out of business XXXX will not talk to me, because I'm not on the loan, but I was able to get a letter of release from XXXX, SPS will not honor it. SPS says the former banks did not know what they were doing and have be mistaken since XXXX. 

From what I understand, is that my X husband is the successor because the house was given to him in our divorce decree and when you do a modification after divorce you become solely responsible. My name is not on the Loan Modification and I did not need to sign the modification because the home belongs to him along with the promissory note. I also read that a loan modification is consider an assumption. 

Please help me, I just tried to help my daughter to get a loan for a car and we were turn down because of this error. We will try another bank Thank you for your time in this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: OH
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:
I filed a dispute in regards to incorrect items I found on my credit report, it has been well over 30 days and I have not received any proof of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ERC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.

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