BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice of a lawsuit from Cooling and Winter on XXXX XXXX, 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX, a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, XXXX XXXX and they could not send the settlement letter. I contacted XXXX XXXX and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.

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 2017-05-23
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission

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 2022-04-11
Company: EQUIFAX, INC.
State: LA
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:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Atlanticus Services Corporation
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2022-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection came up on my credit. I thought it was a hospital bill, so I paid it all off. Turns out it was not the hospital bill. I called the company 3 times for them to send me the information to figure out where the debt is from and the payment options. Never received any information. The debt is still affecting my credit.

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 2016-06-29
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Remitly, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I submitted an international money transfer request on XX/XX/2020 to help my parent in XXXX for {$500.00} in USD through Remitly.com. It was promised to be delivered on XX/XX/2020 XXXX XXXX   PDT which is XX/XX/2020 XXXX XXXX  KST for the amount XXXX in XXXX. That day, I was contacted that it was stopped by their quality assurance team that it needs some additional information of my recipient. I understood that and waited. I continued to notify my parent that the bank would contact her for verification and I made sure that she was aware if somebody contact her for more bank information. A few days later, my parent still hasn't heard from anyone and I was contacted my Remitly team again that it the transaction was failed. And they need the same information ( recipient name, account number and the currency unit ) to resubmit the transaction or cancel it for refund. They requested me to call them or email them back. I first tried calling, but I could not connect to anyone possibly due to COVID-19. Even though in the e-mail, I need to reach them as soon as possible by phone or email. So instead of calling them, I emailed them back with the information they requested. The next day or two, I receive the same email saying they need the additional information. They apparently hasn't received my respond. I tried calling them again, no answer. So I email them back again with the same information. The next day, I get another same email requesting the same information for the third time. I respond back the same information for the third time and request them a refund and a cancellation since this has way passed the time they promised and my money is on the air. And I am having such hard time communicating with them, I can not get a hold of anyone on their team. I do not know where my money is at right now and I can not talk to anyone. It's very frustrating because I was trying to help my parent not being able to work due to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Numerous automated calls - up to 5 per day - when I answer, they hang up.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-06-07
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: FL
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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for getting a house loan with mortgage solutions in XXXX 2016. I was led to believe I was approved and received a preapproval letter of {$270.00}. Everyday he was telling me tomorrow you will get your approval letter. Our closing date was XXXX/XXXX/2016 he wanted us to extend it. The seller extended the closing date a few times. He still was promising the next day we will hear from the underwriters, he played this game for three months. Finally XXXX/XXXX/2016 after my friend gave me 20 % down and he came to the bank to get the bank letter he said he needs to send this to underwriter and they will send an approval letter and we will close the next day. On XXXX/XXXX/2016 I insist for him to give me an answer since we were close to XXXX weekend and the schools were opening we still had no house to go to, my daughter did not know where she would go for school, I was living in boxes since the week before the original date of closing ( XXXX/XXXX/2016 ) and I ended up paying double to continue staying in my apartments after I ended my lease. It was the most terrifying experience to buy a house with this lender, for me and my children. Everyday I was under the belief that we are getting the approval the next day for three months. Finally XXXX/XXXX/2016 he wrote a I am sorry letter and that the underwriters only approve me for {$180000.00}. He said in that letter that the underwriters did not accept the child support income for the loan. This information and all my information were clear from the beginning and he admit at some point and apologized for letting me to believe I was approved when I was n't for the loan. I am a single mother of XXXX children. I lost the property and even though I found another lender the same day and they approved me in three days this interaction with mortgage solution made me lose a lot of money ( the appraisal, penalty of staying longer in the apartments and paying double for each day ) and the lender was completely aware of my family situation and the stress of not knowing where we should live. The lender was well aware of us having to walk through the house and we were all ready to move in. The seller did not agree with extending the contract with the new lender and we ended up losing the house. 

I have all of these documentations and If I can provide more information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.

Company response to consumer: Closed with explanation