BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX  was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.

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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Capital one bank usa suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out I was in debt on XXXX XXXX. I was not notified that I was debt in anyway. And it was for a service that is covered by insurance. And when the service provided occurred I was a minor ( XX/XX/2018 ). I signed no legal document that I would claim the debt. The debt was on my parents but they were having problems because insurance covers it. And they said they would take care of it and they never heard from them again. But they transferred the debt onto me on XX/XX/2018 with no one 's knowledge and no one was notified or sent anything or called about it. I found out when I was looking to see how to get my credit started on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TN
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:
Unknown person applied for a visa credit card through XXXX XXXX XXXXXXXX with my personal information. Thus being identity theft. Also some one attempted to purchase a money managing App. located in Ga.same as XXXX XXXX XXXX. The App is XXXX, XXXX XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged a {$35.00} overdraft fee on XX/XX/XXXX even though my account was positive {$45.00} dollars. Bank of America deliberately waited to process certain charges so that my account can temporary be negative and then charge me an overdraft fee, thus putting me into an even bigger debt hole. Bank of America has done this exact processing action MULTIPLE times, and it is even confirmed online by doing a simple XXXX search.

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 2016-05-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH XXXX   AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX  LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM XXXX NEVER CITED THE SOURCE. I RE-PULLED MY EXPERIAN AND IT'S XXXX. I WOULD LIKE XXXX  FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE XXXX   FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: United PanAm Financial Corp.
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
While I 'm at work XXXX of my co-workers have received calls from United Auto Creditors. The number is private when incoming. The name given was XXXX. He called XXXX in one day. He called on XXXX XXXX, 2015. He spoke to XXXX different co-workers. 
He requested personal information from them regarding me. My company does not allow personal calls unless an emergency. He stated to both co-workers that this was an emergency. United Auto Creditors have been told numerous times to not call my job and it has gotten worse. My boss has been notified of this by my co-workers since they stated the caller seemed strange and attempted to get personal information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-28
Company: Mortgage Research Center, LLC
State: TN
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:
I received a credit alert informing me that this company " Veterans United '' home loans requested a copy of my credit report on XX/XX/2022. I have not applied for any loans, mortgages, or other financial products with this company or any of their affiliates. I did not apply for any credit on or around XX/XX/2022. I did not give this company authorization to access my credit report and I have no idea why they did. I have previously been a victim of identity theft and this may be a result of that past identity theft. I contacted the credit bureau directly and was told that I needed to contact this company and alert them and request that they tell the credit bureau to remove the inquiry.

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 2020-03-21
Company: STATE FARM BANK, FSB
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My installment loan with State Farm is inaccurately reporting on my credit file late. I have never been over 30 days late on my auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband placed a purchase with XXXX XXXX and they canceled the order stating I had a past due balance with them. So I called XXXX XXXX and they said they sent the account to a collection agency and could n't tell me what the balance was for or what the balance even was. So I asked how can you as the original creditor tell me I had a balance with you but you have no information. A asked why I never received statements the rep said they do n't sent out statements. I need validation of this debt.

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 2015-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ( XXXX XXXX XXXX XXXX party ) XXXX performed in summer of XX/XX/XXXX filed bankruptcy in XXXX XXXX. Before filing received collection notice, called informed filing bankruptcy. I was told they would not the account. After filing still received collection notices, called in XX/XX/XXXX, was told to fax the discharge notice, which I did, and the notes stopped. Now, XXXX they filed an open collections for XXXX on my credit report dropping the score XXXX pts. I called again, and the company says they did not receive my fax. Not only is this illegal I have told the group multiple times. This is vindictive, and a violation of my right with the bankruptcy. I am trying to rebuild, and this company has caused personal financial damage because I was unable to refinance my vehicle. Unprofessional.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX the onwer of XXXX XXXX XXXX ( see below ) has defrauded me of {$39000.00} on a renovation in XXXXXXXX XXXX 

He uses Chase Bank to carry out his scams and fraudulent activities to defraud consumers like me. Can you please ask Chase Bank to investigate this matter and close down his personal and business accounts with the Bank DETAILS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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:
Equifax refuses to provide a free annual credit report via XXXX. Spoke with customer service supervisor on XX/XX/2021 and they confirmed that Equifax refuses to provide a free annual credit report via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX names on my credit report that are not my correct name. XXXX mXXXX I believe is also one. I would like all XXXX removed and replaced with XXXX a space after the XXXX and a capital XXXX. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have  XXXX  student loan token numbers for Direct federal loans taken out for  XXXX  school. I am currently on th e Public Service Loan Forgiveness ( PSLF ) progra m with FedLoan Servicing as my servicer.     My loans were originally serviced by  XXXX   XXXX , where I was enrolled in the Pay As You Ear n ( PAYE   ) pr ogram. I made qualifying PAYE payments between   XX/XX/XXXX  and  XX/XX/XXXX  . During this time, my employer paid $  XXXX  /month towa rds my loans, and I paid the remaining amount.  XXXX   XXXX  never mentioned to me that I was not enrolled in the PSLF program despite working for a  XXXX   (   XXXX  ) (  XXXX  ) employer.     Once I learned that I was not officially enrolled in the PSLF program, I had my loans transferred to FedLoan Servicing i n  XX/XX/XXXX  by  filling out an employer certification form, indicating that I qualified for the preceding year.     Sinc e  XX/XX/XXXX , I have  been trying to get FedLoan to accurately calculate the number of qualifying payments I have made for that preceding year. I have received from  XXXX   XXXX  my payment history, and submitted that information  to FedLoan. FedLoan indic ates that, instead of qualifying  12  payments from between   XX/XX/XXXX  and  XX/XX/XXXX , I  mad e 4 qua lifying payments on  XXXX  of my loan tokens, and  9 qu alifying payments on the remaining  XXXX  loan tokens. I have not yet filed the employer certification form for the payments made between   XX/XX/XXXX  and  XX/XX/XXXX .      I have called every month in an attempt to get an update on the calculation process. I have been told that the calculation should be processing, but after 6 months I have received no information.     In addition, I 've asked whether my paid ahead payments would count towards my PSLF qualifying payment count, and was told yes. I am unclear as to whether this is accurate. I ask because I believe I may somehow be paid ahead with my current payments ( with my employer 's $  XXXX  /month con tribution ), and can not determine how much I need to pay each month to make a qualifying payment. FedLoan will not provide me with that information.

Company response to consumer: Closed with explanation