BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Continental Finance Company, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Went to Chase bank for a refi. Only Bc of divorce and I need it out of my ex 's name. I only owe 14 years. The original loan was XXXX. I only wanted to refi the balance of XXXX. For 15 years. They took my XXXX. I gave them all the info requested. I have a credit score of XXXX/XXXX. They then need me to come in an sign a letter the mortgage person typed up. Stating that I live in my Condo. Bc I recently married. They had my husband fill out papers as cosigned when I do n't need it. They then asked for a 3 way call with my bank, I was 3 months ahead on my home loan in XXXX. Then they did it again fot a XXXX balance on my XXXX card. Then they had my husband do the same with his bank. Then they call us and make a offer for a higher interest rate then what we agreed on. A whole percent higher. Said they did n't believe I lived there. I said go there my clothes are there ask the management company. They refused and called me a liar. In fact she hung up on me. So I am out of the {$410.00} for the Loan. I can payoff the loan we have in money markets. But the unscubluous practice of Chase bank taking money and then changing the terms to get a higher rate is wrong and should be address. After thinking about it one day I went down to the front desk and asked our security do you keep records of my fob to get in and out of the building he said yes but he did n't know how far back it went. He went back to XXXX 2014. It shows every time I enter or left the building. He printed me a copy of my entrance and exits. I took them to my local bank and showed her and she said she would have the local manager call me. I got nothing from them. I called and left messages with the state of Fla area XXXX XXXX. He never returned my call. I would n't want a loan from them now if they gave it to me. I removed XXXX from my accounts there. And put it in my XXXX credit union. But I feel I should get my {$410.00}. They sent us through all kinds of unnecessary info and we provided it. We did on our end everything and was turned down. Chase should be penalized for taking people money. Yes make it know to everyone do not use Chase to do a refi or get a loan. Please feel free to call me. XXXX typed the letter at the bank and had us sign it. I have XXXX other investment properties that are rented out and I understand about investment and I put my XXXX % down years ago. Why would I rent out my home downtown where I love? Either way property appraiser has already dropped by and inspected for himself. I have his card. Which I told them about the unannounced inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On Friday, XXXX XXXX, 2016 at XXXX, Professional Debt Mediation Representative XXXX XXXX conducted intolerable threatening and obscene/offensive veibiage as well as harassing behaviors. I, as a consumer, who reached out to the original client and now collection agency to resolve this issue feel I should have not been " yelled at, threaten, and should not have to tolerate verbal abuse '' over any account and/or situation. Based on his behavior and statements, he has already made it clear he will NOT honor any agreements. Also, per correspondence received on XXXX/XXXX/2016, the PDM representative is stated false and inaccurate information which is very concerning. I believe this is a purposeful misrepresentation of details associated with the listed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.

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 2017-01-21
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Columbia recovery group have repeatedly reported for over 2yrs a fraudulent account on my and my son 's credit reports. It has been in disput and in some places they did n't report it as disputed and they refuse to seek judgement in this matter or to address a proper investigation to this alleged debt as there is video they refuse to acknowledge and view. They used deceptive tactics to ligitimze the claim. It 's fraudulent and extortion they are practicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.

Company response to consumer: Closed
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: H. Kent Hollins, Attorney at Law, P.A
State: GA
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:
This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Empowerment Ventures, LLC
State: AR
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been locked in and out of access to my rush card and account since XXXX/XXXX/15. I have called the Rush Card Company numerous of times just to be hung up on or stayed on hold for and hour. Since then I have been struggling to get food for me and my children, I 've had to think of ways to make it back and fourth to work because no access to money to get gas. I have missed XXXX weekends of moving my furniture out of storage including each week I have been charged fees to pay just to get my things and now unable to pay them. I have not been able to pay the rest of my car note, unable to go to my eye appointment because of the {$100.00} fee that is needed and now I have developed and ulcer in my right eye that needs antibiotics to cure or it will get worst. My phone was stolen and now without any money I ca n't get mobile and I have XXXX jobs in which XXXX jobs require me to have a phone so I ca n't resolve that issue ether. I have been reading were this problem was fixed and I have been calling them since Tuesday and the automatic system is saying that my card is not activated in which I never put in a request for a new card. I 'm stressed out to the max and have been having more then XXXX and I 'm just over all the lies that they have told me since XXXX/XXXX/15. As of XXXX/XXXX/15 was the start date that I have had no luck with speaking to anyone at Rush Card regarding my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My complaint is about how Rushcard decided to close my account without my knowledge and tried to keep my money. Rush card accounts department decided to close my account but they did not tell me. In addition, they allowed my payroll check to go into this closed account. Then, Rushcard 's customer service refused to give my money back to me for 4 days. I kept calling and calling yet they decided to gaslight me at every turn. Every customer service person decided to lied to me and felt like that my money belonged to them. Particularly, sales associate XXXX who lied to me and told me that she did not want to give back my money. Also, her supervisor XXXX who yelled and tried to cussed me out. After all of this, Rushcard gave me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Using a debit or ATM card

Complaint:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is an account ( XXXX ) listed on my consumer report as a derogatory account, that has been closed for 8 years, and all XXXX agencies refuse to delete the account.

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 2015-10-31
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX the XXXX my car loan company accidentally double charged my account. I contacted them and they refunded the funds well by Wednesday the XXXX these funds were still pending. I contacted rush card and they assured me my funds would be posted by Friday. That never happened, I called rush card and I held for over an hour finally a lady came on I explained again what happened she then called my auto loan company on XXXX way and was told they already refunded the amount and on their end it was adjusted and closed she even gave the transaction number. The rep assured once again that the funds should post with in the hour. I went to make a purchase XXXX hours later and my card declined. I called back held for another XXXX hours she then told me she escalated the issue and the funds will show available. Again no money has posted of course I call back held for another hour only to hear the guy did n't have access to the system and after he offered a supervisor rudely hung up on me. It 's wrong and unfair it 's been over the time frame they gave and I still do n't have my money which means bills ca n't get paid and o ca n't make purchases to take care of my children. Rush card customer service if rude absAnd unpleasant I have been patient but this is over board.

Company response to consumer: Closed with non-monetary relief