BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: ACS Education Services
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to XXXX loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid {$1200.00} since XXXX and XXXX of my loans is 65 days past due. I can not get them to apply the payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Earm LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collector has called me daily since XX/XX/21, leaving intimidating voicemails saying if I do not call them back, paperwork will be filed with the county. After not reaching me on the phone, they called my husband, who happens to be an XXXX. He attempted to verify that the debt is real. They provided bogus information, refused to provide any information regarding the particulars of the debt ( amount, date debt was occurred, etc. ), were abusive in their communication, and refused to provide contact information for him to send a letter or representation. They argued with my husband, stating he was not a real XXXX  ( he very much is ), and continue to leave harassing phone messages with me, daily. In the messages, they do not identify any information other than they are calling from " MAC, '' they do not indicate they are attempting to collect a debt or anything else that debt collectors are required to do. 

The only information they provide is the company name of " MAC '' and a number, XXXX. They call from a VOIP number XXXX. 

I believe they are using outdated information from my credit that is well past the statute of limitations and manipulating that information to harass and scam me into giving them money.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-10
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with pennymac transfered from XXXX XXXX to XXXX. I spoke with people fromPennymac more than a week ago. They told me they were going to send me papers in the next seventy two hours, and I have not heard from them. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BARCLAYS BANK DELAWARE
State: ME
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:
Good Afternoon, I dont know if you can assist me or not, but recently I applied for a XXXX XXXX credit card ( XXXX ) from Barclays. I was approved and did a balance transfer for {$5000.00}. I paid off my XXXX XXXX card and got 1 year free financing. I just had to pay a 3 % ( {$150.00} ) fee to do that. Which I consented to. When I got my first statement I noticed the new card balance was {$10000.00} so I called and was told there were two transactions for {$5000.00} to XXXX XXXX and that I would have to call XXXX, which I did. XXXX sent me a check for the {$5000.00} over payment. Which I cashed and paid on the new XXXX card. When I got my next statement, I saw a {$300.00} finance or other Fee charge. I called Barclays and was told there were two transactions and transfer fee of {$150.00} each.hence the {$300.00} charge. I told them I only had a {$5000.00} balance that I transferred. Apparently, being unfamiliar with the website and thinking that it did n't go through, unintentionally submitted it twice. Obviously not intentional.why would I want to pay {$10000.00} on a {$5000.00} balance. But I couldnt get them to waiver the fee as they said they carried out two transactions. Can you help with this? I am just seeking to get the second {$150.00} charge reversed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, ME 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 monetary relief
Consumer complaint received 2015-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: IL
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:
After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One continues to report inaccurate information on my credit report for account with capital one account XXXX. 1. This is a charged of account from XX/XX/XXXX it should no longer be being reported. 2. I requested you verify the account information several times, and Capital One has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4.Please remove account from my credit report immediately as it past the statue of limitations on which you are able to report. In addition you continue to report inaccurate account information and have failed to provide me with valid account information. Remove account from my credit report or I will seek legal action. Attached is proof that the account has been sold to a collection agency, there should be a {$0.00} on capital one 's file due to the fact account was sold and no longer collectable by Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Legal Prevention Services, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a voicemail message from " XXXX '' at " Legal Prevention Services '' looking for my boyfriends mother. My boyfriend received the same phone call about XXXX minutes later. I did not answer, so a voicemail message was left on my phone revealing the full name of my boyfriends mother and the fact that she owed a debt. Upon returning the phone call and immediately stating that I had received a message in reference to a debt owed by a person other than myself, she asked me for the number that she had reached me at and again stated the full name of my boyfriends mother and that her call was in reference to a debt. She continued to elaborate stating that when a debt reaches a certain stage, they use an internet search to locate any possible associates of the debtor and are authorized to contact them. Although this may be true ( I personally think its wrong ) she can not reveal to me that a debt is owed, and she did this XXXX to me and XXXX when she spoke to my boyfriend. From a quick XXXX search it would appear that this " agency '' violates the FDCPA with each and every phone call it makes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage note was recently tranferred from XXXX mortgage servicing company to another. It was with XXXX XXXX XXXX, but as of this month it is now with Shellpoint Mortgage Servicing. I have an interest only loan based on XXXX rates. The rate for my last payment to XXXX was XXXX. My payment was XXXX. My mortgage is {$250000.00}. That has been pretty consistent for the past couple years. My current rate under Shellpoint is XXXX, yet they debited {$1800.00} from my checking account for XXXX, approximately {$1000.00} more than what should have been debited. I canceled the automatic debit and contacted their servicing department. They had absolutely no explanation why they were debiting {$1800.00} from my account and why the same was scheduled for XXXX. I asked several times to speak to a manager. They could n't give me anyone to talk to. I was put into voicemail. I tried calling again the next day and had the exact same results. I am currently trying to refinance with a local bank, but I feel that {$1000.00} was stolen from my account by Shellpoint and that they had every intention to do it again in XXXX. I need help getting back the money they stole from me for XXXX. I 'm at a loss right now as to what I should do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Management LP is attempting to collect on a debt for XXXX that I do not owe. There are no records on file for XXXX that any money is owed. A collection has been placed on my credit report which has affected my home buying process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with CIT/OneWest Bank. When I applied for the mortgage, they assured me that once the mortgage is in place they provide 24 hour web access to the account. However, within a few weeks of my having received the mortgage, online access was gone. When I try to login I get message " System Error. We 're sorry, but an unexpected system error has occurred. We are unable to process your request. '' This has been the case since XXXX or XXXX 2016. After what probably adds up to hours on hold and with their agents, they finally told me that the error was due to a " system upgrade ''. Since XXXX I have been repeatedly told the problem will be fixed soon. I have been promised a call back from a manager, which never came. When I call about it now they just tell me that it is a known error. There is no sign that this problem will ever be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my 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 explanation
Consumer complaint received 2015-10-13
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Technically this was not identity theft and that is what is the crux of this issue. 

I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced. 

After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX. 

I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service.

Company response to consumer: Closed with explanation