BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio keeps contacting for a debt that is more than 7 years old. They are a third party collection agency and call me at my job. 
I want all calls to cease and desist both to my work and home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On  XXXX / XXXX /  XXXX  , I noticed my  Capital One ch ecking account was debited {$210.00}. I did not authorize this transaction. I began to research where this transaction  may h ave came from and I noticed it was credited to my mother 's checking account. I contacted my mother and she verbalized she did not make this transaction nor is she allowed to. I contacted  Capital One  customer service and spoken with a representative who instructed me to have my mother contact them because the transaction was made to her account due to her account being overdraft. The representative stated once my mother contacted them the transaction would be reversed. I, then, contacted my mother and contacted  Capital One  customer service with my mother on the other line. We provided a new representative with our information when she then provided us with different information from what the first representative stated. She stated  Capital One has the right to take from any account with my mo ther 's name attached in order to make her account positive. My mother and I verbalized to the representative that this have never happen during the longevity of our membership with  Capital One.  The representative became very irate and began to practically yell at us the right of  Capital One to take from  a account. The representative was quite rude to my mother when my mother pulled up her policy disclosure stating, " If we mistakenly credit your account for funds to which you are not the rightful owner, we  may  deduct funds from your account, even if this causes your account to be overdraft. We  may do so at any time and without prior notice to you. '' My mother is not the rightful owner of the funds  taken out of my account. The only reason her name was placed on my account because I was a minor when my father was ordered to pay for child support by the state of Louisiana. I am now  XXXX  years of age. I have had many minor discrepancies with  Capital One , yet this has become major.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: TRANSWORLD SYSTEMS INC
State: LA
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:
On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ENCORE CAPITAL GROUP 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 was discharged in bankruptcy

Complaint:
Debt was not discharged in bankruptcy, but nothing on description seemed to apply. Asset Acceptance ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, Asset Acceptance nor XXXX why or that it had been put back on. What is the purpose of hiring these companies or coming up to agreements if they only get things removed temporarily while your working with them and sneak it back on later???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.

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 2017-05-03
Company: Navient Solutions, LLC.
State: CA
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 settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Medical Data Systems on XXXX XXXX in response to the claim that I owe {$530.00}. I requested a validation of debt so that I can get additional clarity on this claim. Medical Data Systems did not respond with any of the information I requested. The response was " Based on our investigation of your dispute, it is our position we have identified you as the correct consumer for this account ''. 

Medical Data Systems continues to report negative information on my credit report even though this claim is disputed and they have failed to send the requested information to substantiate the claim under the Fair Debt collection Practices Act. 

I did not request verification or proof of my mailing address but a request for validation. 

I informed Medical Data Systems on XX/XX/2021 that they are in violation of the FDCPA.

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 2021-12-20
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: Their investigation did not fix an error on your report

Complaint:
I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. Since then, they have even allowed more accounts to report on my file. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.

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 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures/dob/ etc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
SunTrust Bank  charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of  XXXX    XXXX   they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks  own drive  through ATM. I have a  " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my  Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the  XXXX  of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.

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 2017-05-03
Company: JPMORGAN CHASE & CO.
State: DE
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:
On Sunday,  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX  I called into  CHASE customer service regarding my CHASE    Sapphire Preferred   card ending in  XXXX . I asked the representative to close the card. When asked why, I advised her that I received a promotional e-mail offering a referral bonus of  XXXX  points  ( approximately {$100.00} ) . I wanted to offset my upcoming annual of {$95.00} fee, so about  6 we eks earlier I referred my brother ( I added his information onto the additional user portion of the complaint ), who took out the card ; however, I never received the bonus.     The rep advised that I could close out the card, but also advised that I could switch it from a CHASE Sapphire Preferred to just CHASE Sapphire, and not incur the annual fee. So after asking multiple times, and ensuring that I would not be charged the fee, I decided to go down this route of switching the card type. Well,  XXXX   XXXX  passed and I incurred the {$95.00} fee anyway.     Also, on a side note, I recently received a notice that CHASE was shutting down my  XXXX  rewards card ending in  XXXX . I asked the rep if she could condition my account to keep my card open, which she said that she could. I 'm not sure if this was done correctly and would like this investigated as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: ACIMA CREDIT, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan in a  Furniture  store for my goods.   XXXX   XXXX   is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on  XXXX  and  XXXX  ; They put it in contract twice and the interest increase another %. By today (  XXXX  ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: COMMERCE BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On   XXXX     I applied for my free credit report and was denied twice, the first being some hippo code and second was insufficient documentation.

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