BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX on XXXX XXXX in XXXX, FL. due to Covid 19. My place of employment closed their doors and I had no work during the pandemic.my rent was {$2200.00} a month with all amenities pool, gym, dog park, etc. I told the office i was moving out because i couldn't afford to live there anymore so XXXX and XXXX rent was not paid, I moved out end of XXXX. I had the place professionally cleaned so there was no issues. the offices where closed and had no contact with anyone! so i emailed the office that it was clean and keys on table. thinking I was doing the right thing by moving out and not milking the system like others! The moment they received the letter at XXXX, XXXX called me very rudely and said she was sending me to collections. 
Im trying to buy a condo and i cant do anything because the collections debt says i owe {$10.00}, XXXX!!!! so it shows too much to debt to income ratio. now I'm stuck. I had perfect credit before this collection debt. i feel this is unfair due to the pandemic! If I owe anything, it should be 2 month rent at a discounted rate due to no amenities! 
someone please help me!! I'm desperate! 
I even hired a lawyer that sent a demand letter and the collections agency sent back with only a 50 % settlement offer but i feel the settlement offer should be off the price i actually owe which would be the discounted rental payment!

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 2018-06-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I know I am passed due on my payments, due to no employment I was not able to give a payment yet. XXXX XXXX calls me everyday about 20 times a day or even more to tell me about my payment which I already know about. Today XX/XX/2018 they called my father about my business, which I think it's not professional. First of all, I don't know how the company even got my father 's information when I never gave the company his details or anyone elses.Second, I think it's total harassment for them to be calling me so many times and now even calling my father and leaving him voicemails about my personal business. I will give a payment as soon as my first check arrives, like I told the company already I was unemployed for the past 6 months like they mentioned to me. I know what I have to take care of, I haven't done so because I had no money to do any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
BMW of XXXX despite numerous phone calls, emails and such, has neglected there responsibilities in contractual execution of the lease for the BMW XXXX, by NOT providing either Temporary Plates or the NC DMV plates as per the lease contract signed and payment 's collected. 

despite 7 email 's and calls to all dealership team management ( None responded ), there has been no resolution of this fraud and thievery actioned by BMW of XXXX. 
I have paid the correct fee for this service which has NOT been provided, they have my money and have NOT provided said service/item per the signed lease contract Currently i have a vehicle that can not legally be driven in NC state, paying the monthly lease for a vehicle that is sitting in my garage. all this is due to BMW XXXX lack of attempt to resolve / correct there own lack of actions and obvious breakdown of process on there end. this lack of customer service and probably an " Business as usual tactic to steal money from customers should be investigated and probably legal actions need to be brought against BMW of XXXX by the state/federal authorities '' Receiving/taking money for an good or service and willfully NOT providing said service/good is a federal offense and is punishable by LAW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans contacted via phone and left a voicemail stating that it was an emergency and I call them back. When I called them, they stated that the call was in regards to starting a refinance. When I pressed them as to why they thought a refinance constituted an emergency, the customer service rep said, " I don't think it is. '' I informed them not to contact me again and reiterated that they should not use the " emergency '' to sell services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit MGMT XXXX XXXX XXXX XXXX Tx, XXXX Date : XXXX Amount {$110.00} account NO. XXXX It was taken off my credit years ago, but it seem the company sells this account to someone else and put it back to my XXXX  report. I demand it off or we will file a claims action law suit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
My wife received a phone call from a blocked unknown number several times a day every day. Finally decided to answer and they were looking for myself or my wife. They asked if we were still married and began to say stay on the line for information about a possible Lawsuit. The line transfered and it was a guy being very harassing to my wife asking if we were still married she said put me on the do not call list and then the rep from midland credit stated he will sue for debt if she hung up. And she hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: OH
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:
I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.

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 2020-02-05
Company: EQUIFAX, INC.
State: OH
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:
I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent {$570.00} through XXXX XXXX XXXX banking app using Zelle to a person claiming to be XXXX XXXX for a firearm purchase which he was then supposed to take to a Federal Firearm license holder to do a transfer across state lines. This is the law. I never received the firearm, it was never transferred. The picture of his driver 's license he sent was an obvious fake which is when I started the claims process. I started a fraud claim ( XXXX ) XX/XX/XXXX if memory serves me. XXXX XXXX has since never contacted me or responded through email or phone. I have his contact info still saved. 
His # is XXXX Email is XXXX XXXX # for his zelle account is XXXX XXXX XXXX. 
Transaction reference number is XXXX. 
I have tried going through my banks fraud department but claim was refused and said at this point it is a legal matter. I can not get any form of contact from zelle. I have spent part of the morning talking with XXXX XXXX XXXX XXXX department with no progress made and the matter not settled. I attached the conversations we had pertaining to this. I have the conversation saved. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: CREDIT ACCEPTANCE CORPORATION
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:
Inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just received a phone call at XXXX today, XX/XX/XXXX, from Huntington 's collection department for a debt that doesn't exist. 

I recorded that phone call as I have asked, in writing, not to be contacted by their collections department multiple times. 

This mortgage has been paid ahead since they received it and their system deficiencies continue to cause the false flag of default. They have been informed and are more than aware. 

This is harassment. 

While they have continued to falsely mark my valid new complaints as duplicates in an effort to ignore me, I will continue to file them for my legal record keeping purposes. 

Every single communication and violation will be reported through this channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have requested a validation of the debt and disputed the validity of this debt. I sent it via certified mail return receipt requested to the attorney that Amsher Collections allegedly referred my account out to, and I have yet to hear back. the certified mail number is XXXX XXXX XXXX XXXX XXXX sent to XXXX XXXX, Attorney at law in Alabama -- she isn't even licensed in the state of Texas to sue me. But I was told that my account has been sent to this attorney for a lawsuit by Amsher Collections for an account owed to XXXX XXXX. I have not had an account with Charter communications since well before my son was born, as this was who I was required to have cable with when I lived at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. My son was born on XX/XX/2013 and we haven't lived there since then. 

I want this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: AL
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:
XX/XX/XXXX RE : Dispute denied due the merchant submitting fraudulent documentation. Appeal Request and notice of CFPB filing. 

To Whom It May Concern, On XX/XX/XXXX I filed a dispute with Chase Bank for an unauthorized charge of {$1700.00} on the grounds I did not authorize or sign for the charge. At the time of the incident my card wad declined by the card reader, and I instead used my XXXX XXXX debit card to cover the remaining cost. The XXXX card was charged for the same amount the fraudulent Chase charge was for, so I was consequently double charged. On XX/XX/XXXX my dispute was denied according to the Chase representative because the merchant supplied a receipt with my signature on it. The receipt that the merchant submitted was fraudulent and the charge was unauthorized. The merchant XXXX is in XXXX XXXX and I have attached all communications and supporting documentation to show these charges were unauthorized/fraudulent. I have also attached samples of documents I initialed spanning from XXXX to this month. I have never in my life initialed using a lowercase L, and there are also other inaccuracies between the merchant receipt and my own. My wife is a first responder who has sacrificed so much during this pandemic, traveling to XXXX to help fight the spread, and as a result I am taking on two roles. Her friends wanted to celebrate her, so we put in on this celebration in XXXX. Since I was the only person with a major credit card I put the charges on my card, not knowing that it would result in myself being put into a financial hardship due to the fraudulent double charge. I have maintained good standing with Chase, and I had every intention to increase the number of accounts I have with Chase. But this charge is fraudulent and should be removed from my account immediately and permanently. I am formally requesting an appeal and I will be filing a complaint with the CFPB due to this charge being in direct violation. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: SYNCHRONY FINANCIAL
State: CT
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:
I wish to submit a complaint against XXXX XXXX and there services. I am complaining against there credit scorings system, I am very dissatisfied. XXXX XXXX lowered my credit cards line on two credit cards. XXXX XXXX are reporting false information to the Credit Bureaus due to my wife debt relief program. Her synchrony credit cards accounts are not active. 

Her credit cards accounts are closed due to shortage of working hours. I could provide statements and proof of letters that XXXX XXXX is using false information against my credit history. They are violating my rights. XXXX XXXX are basing my wife debt relief program against me. I have some concerns. These cards are not joint accounts. Here are the following names of the credit cards my wife have with XXXX XXXX   Walmart, JCPenny, XXXX XXXX XXXX, XXXX. 


I have same credit cards but separate from hers. Here are the following XXXX XXXX  credit cards that I have actively opened, XXXX. XXXX and XXXX, XXXX and XXXX know as XXXX XXXX XXXX credit card is at XXXX balance ( paid in full ). XXXX XXXX decided to closed this account without any authorization or permission. I am making monthly payments on the other 2 account with no problems. Keep in mind these credit cards are not joint account but they are using there credit scoring system against me due too my wife debt relief program. They are willfully violating my rights and using my information to damage my credit history and score with the credit bureaus. XXXX XXXX   stated that they do month to month monitoring credit check. I'm very concerned. I never heard banks checking credits on month to month bases. I think they are Discriminatory Credit Card Practices. Please forward my complaint to the right Department or the Consumer Financial Bureau.

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 2018-06-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX  with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX  and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with XXXX XXXX  and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX  and Experian will not remove this remark. Please advised

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 2018-12-13
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation