BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I attempted to use XXXX Gift Cards : ( XXXX ) XXXX ( 2 ) XXXX XXXX 3 XXXX XXXX valued at {$500.00}, {$500.00}, and {$42.00} remaining from a {$200.00} gift card at a XXXX on XXXX XXXX, 2016 ( Ref # 's XXXX ). All XXXX rang up as unauthorized. I was told it was a glitch in the system and that the money should have still been left on the cards. I then called the number on the back of the card and was told that the cards had been charged by XXXX when in reality they all XXXX came up as unauthorized and not used. I was told to fill out a form and wait XXXX to 90 days. I ca n't wait XXXX to 90 days to have {$1000.00} be placed back on the cards. This was not my fault and I would like immediate action in having this cards replaced or the money being placed back on them. These cards are backed by XXXX and distributed by Gift Card Mall/Blackhawk Network California

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease.

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 2016-10-30
Company: DCN Holdings Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.

Company response to consumer: Closed
Consumer complaint received 2016-11-22
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Main Street Personal Finance
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have advised them in writing and verbally to only contact me in writing. They are continually calling my place of employment using different numbers each time. For example XXXX and XXXX. In addition they are continuing to contact my contacts listed although I have advised also for them to stop calling them and harassing them. My address is the same and I will respond to anything that is sent to me in writing however I do not want to be contacted by phone. When I was contacted and asked to verbally stop, they insisted that I owe them money and that is why they will continue to call. I have back to back calls to my place of work, my cell phone, my husbands phone etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never receive notice on this debt, I believe XXXX place this collection on my credit report because they were upset I cancelled the membership to their monthly credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc

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 2016-06-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.

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 2016-05-10
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keeps calling my ex husband phone, tell them to stop contacting my husband, stop harassing me, do not contact me if I owe something send me a letter do not call me or my family.

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 2017-01-17
Company: Credit Management Control, Inc.
State: IL
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 had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-26
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.

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 2016-07-11
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian C/O XXXX XXXX XXXX, TX XXXX Regarding your report number XXXX. 

Do not misunderstand, this is NOT a dispute. I repeat NOT a dispute. I will repeat it one more time, it is NOT a dispute. 

I am NOT asking for an investigation, repeat, I am NOT asking for an investigation This is just a request for information that was omitted from your report number XXXX. I have a right to this information so please provide the following : Name of the " furnisher '' you talked to. 
Address of the " furnisher ''. 
Phone number of the " furnisher ''. 
The name of the person you talked to who verified the information you are reporting. 

As you are well aware I need this to contact them and query as to the information you have received and what information they supplied to me, provided they are the same person/entity.

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 2015-04-08
Company: Credit Central Holdings, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: American Financial Resources, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am part of the population who has been taken advantage of by Navient and want to be supported by your suit. I had been pushed into for a fence during the economic crash in 2009 and have more debt now ( 9 years later ) than I did when I took out the initial loan. Even after paying on time for years! ). I feel like a helpless victim who had tried on numerous accounts to get help but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.

Company response to consumer: Closed with explanation