BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification

Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS has repeatedly miss-applied funds that were to be applied against the principal. The result is a falsely inflated balance that SLS uses to calculate the amount of interest owed. SLS is charging more interest than allowed by the original loan documents.

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 2015-06-23
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Capital Management Services, LP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF THE WEST
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information! 
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deletes any accounts and inaccurate information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} Medical XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} Medical XXXX Balance : {$1.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$14.00} Medical XXXX Balance : {$11.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$6.00} Medical XXXX Balance : {$4.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$15.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$13.00}

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 2015-04-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation