BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: Global Credit & Collection Corporation
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Last year at my work, I received a call that said I had a debt and action would be taken against me if I did not pay it. The person even said " well do n't you have a XXXX that you can borrow from to pay this '' They call me at work so I got really nervous and made some payment arrangements. Here recently money has been tight so I call Global Credit and collections to have the amount of the payment adjusted and I was told when I called that they no longer have an account for me in there offices, so I put a stop payment on the check because they said I had no account there. Then I recently received a call from XXXX XXXX saying she is with Global and she sees that I put a stop payment on the check so I explained that I had called and was told that I did not have an account with them at this point I asked them to provide me with the amount of the original debt and copies of every payment they have taken out of my account the woman replied " well that makes perfect sense and hung up on me. I feel like this company is a scam and I am not giving them another Penny of my money. I also found out that XXXX also wrote off my balance. I do not feel I should have to pay a balance that was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft

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 2016-03-16
Company: Ocwen Financial Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Took out a home equity line of credit with XXXX XXXX in XXXX. In XXXX, XXXX XXXX transferred the servicing of the loan to Ocwen Loan Servicing , LLC . The principal balance of {$0.00} was noted by Ocwen in a letter on XXXX/XXXX/XXXX and the account was closed on XXXX/XXXX/XXXX. I received a letter from them stating that they were drafting a Satisfaction document to send to the county for Lien Release/Satisfaction on XXXX/XXXX/XXXX. To this date this has never been done. Ocwen is telling me that they have not received all necessary documents from XXXX XXXX to complete the process and XXXX XXXX claims they do n't know what Ocwen is talking about. And I still have a lien on my house!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX I opened a Bank of America account online. After opening, I sent $ XXXX to my new account from an existing account at another bank. On the following Monday I attempted to log into my new BofA account, and noticed I was locked out. I called in and asked about the account, was informed the account was closed, and told that my ACH deposit would be denied since the account was closed. 

The ACH deposit was not denied according to my bank. I went into a BofA branch in XXXXXXXX XXXX to find out from someone in-person what to do. I was told that I needed to confirm my identity and that the account was /not/ in-fact closed. However since I came in on a Saturday, I could not do this. I went to a BofA in XXXX XXXX  the following Monday to confirm my identity, and could not meet with a banker. I scheduled an appointment for the following day. 

I went to my appointment, and the banker was unable to even find my account. After sitting an hour on hold with some internal team, she was able to determine that my account was " pending closure '' and there was nothing that could be done. I was told that I would receive the funds that were in my account within a few weeks. 

Over a month has now passed and I have not received my funds. Further, I am receiving mail statements for my account indicating my $ XXXX is still there. I have tried to call in several times to find out what's going on, and I either get hung up on or told that the account is closed.

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 2016-05-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt, after it was charged off by the original creditor, to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: California Business Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was looking at my account credit report and see that i had things that i no knowledge of and i it had to be a fraud

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 2022-05-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX setup auto insurance policies back in XX/XX/XXXX for me twice and did them both wrong, so I cancelled them and had them refunded. They only refunded one, so I had to chase them for weeks to get the 2nd one. They told me to file a dispute with the credit card company, so I did, which was successful and I got my money back. Then XXXX claims they also refunded the transaction of {$860.00} on XX/XX/XXXX in addition to the dispute, so they sent me to collections for it. I proved to them by sending my credit card statements that I never received a refund from them, but they repeatedly tell me its been refunded and its my problem now. I even worked with my credit card company to see if there were any unposted funds anywhere but theres no record of it. Doesnt surprise me because XXXX incompetence along the way was the most egregious thing Ive seen in my life. Im now being harassed by debt collectors for a debt I dont owe. Ive never been sent to collections in my life and have squeaky clean credit. This is embarrassing and they dont care.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fees

Complaint:
After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ESCALLATE, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: R & B Corporation of Virginia
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent

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