BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2021 I closed on a new home, then XXXX out of country in XXXX XXXX while in country, unaware that XXXX sent a bill that I was to pay a said amount by a stated deadline date. When I received the copy of the statement ( bill ) here in another country, it was passed the deadline date to pay. The XXXX has sent the debt to a law firm. The law firm added a XXXX fee to the amount, which left me to pay an outragious amount of moneu. I then called the law firm that received the debt and explained to them I'm in the XXXX, on an assignment and didn't receive my mail before the deadline date and could I pay the XXXX fee and try to seek help from XXXX here in country to help me resolve this matter. The firm secretary said, NO we will not accept nothing less than what you owe. 
She was very direct and rude. I then contacted XXXX in country and ask for assistance, to only be told to file the complaint here. I am a XXXX in the XXXX XXXX on a mission to sustain our country and could not get a break. Please someone help me. I'm a single parent with XXXX kids, XXXX adopted son trying to make an honest living and need a little help. 
With a bill over XXXX, it's undeniable too much for me to handle at this time. If you could please help, Please Help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Specialized Loan Servicing related to an order by Consumer Financial Protection Bureau requiring compensation for a delayed evaluation between the periods of XX/XX/XXXX and XX/XX/XXXX. They sent a check for {$70.00} as redress for the delay. I deposited the check in my account, and the check bounced. I was charged an additional {$12.00} for the check being returned unpaid. I am attaching all the documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Absolute Resolutions Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NC
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:
Greetings CFPB! 

I recently submitted two letters to *Equifax* Regarding Inaccurate information reporting on my credit report. XX/XX/XXXX & XX/XX/XXXX... It has *PASSED*the allotted time for response. As of XX/XX/2022. I have yet to receive a response. I have attached a copy of the letter/my identification and credit report document that shows the areas of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an issue where XXXX  caused malpractice harm to my animal. This resulted in additional expense at another vet hospital. Due to this issue, they agreed to release and cancel my contract since they violated the terms of the agreement to provide quality and medical competence to be a vet clinic. After 6-7 months IC systems was given an account saying I owed over a XXXX dollars. That is not valid. I have verbally disputed with them on multiple occasions and they continue to be unable to validate that I owe a debt and are using abbusive collection tactics and are refusing to validate the debt as the law required them to do with the FCRA. In addition, I was never given a 30 day notice of this debt. They proceeded to report to credit despite all my disputes. They have violated many strikes and I am requesting the immediate and total release of this debt and have it removed from my credit ASAP.

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 2022-05-24
Company: Synter Resource Group, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I went to XXXX to ship a mattress cross country- they provided me with a quote at the facility of roughly {$250.00} - ( Quote # XXXX ). I was also given a discount code XXXX. 
I was also told by the woman at the facility that I would be charged upon delivery and left the facility to begin our cross country trip. 2 days later I received a call from XXXX saying they failed to account for the weight of the shipping pallet when calculating the cost so the price would actually be closer to {$700.00}. I told them that due to them not honoring their quote we will be cancelling the order. I said that they can donate the mattress or throw it away - due to the circumstances it is now their problem to deal with as I was already halfway across the country. 
I got the email address of the individual I was speaking with a XXXX and sent them a follow up email solidifying the conversation we had just had on the phone. I thought that was the end of it. 
Flash forward a year to XX/XX/XXXX, they reached out to me again for payment and I referred them to the original emails sent out, and told them that the order was cancelled due to their inability to honor their quote. Furthermore- the mattress was never even delivered so their claim that I owe them money is preposterous. 
Flash forward to XX/XX/XXXX, my landlord in DC ( whose house the mattress was going to be shipped to ) began sending me emails that she has been getting hounded by XXXX  that they had exhausted all options in collecting their money so they were turning the debt over to a collection agency. 
Somehow the debt is now under my previous landlord 's name ( perhaps because she is the owner of the home ). However, she did not place the order or have any correspondence with XXXX. The debt collection agency will not talk with me because the debt is not under my name, however, I don't want to sign anything from them saying that the landlord is not involved because that could be viewed as an admission of guilt on my part in the eyes of the debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Delta Management Associates, Inc.
State: TX
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 received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.

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 2016-07-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. 

I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. 

There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.

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 2017-01-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage with XXXX was sent to shellpoint mortgage services as known as resurgent. They tacked on frivolous charges ( service ) and could never explain basis for them. I did modification in 2013 with them that took forever because they kept losing the package. Finally I was supposed to get a XXXX for 2013. I have a letter stating they will provide said document but I have yet to receive it. I keep getting runaround because they are lying ( stating request never put in, different date for XXXX, saying never produced by them )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.

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 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America continues to engage in malicious and unfair business practices that harm the consumer. I have a checking account and Credit Card account with BofA. My credit card payment of {$440.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I went into their mobile App, and clicked Pay. I entered the amount of {$440.00} which was the minimum due, and selected today 's date of XX/XX/XXXX. I submitted and received a confirmation. I checked my account later and the funds had not been taken from my BofA Checking Account nor did the Credit Card showing a pending payment. I have had issues with BofA handling payments in the past so this made me nervous. I went back into the BofA App into their 'Bill Pay ' section which showed a 'scheduled " payment of {$440.00} from my Checking Account to my Credit Card account for XX/XX/XXXX. Since it was not sent, and neither my Checking Account nor my Credit Card account showed the pending transaction, I cancelled the scheduled payment of {$440.00} for XX/XX/XXXX on XX/XX/XXXX and received confirmation on-screen that the transaction was cancelled. I then went into the BofA App and went to Transfers, and selected Make Transfer. I selected to transfer {$440.00} from my Checking to my Credit Card on XX/XX/XXXX and received on-screen confirmation of the transaction. I checked my account and both my checking account and credit card account now showed the pending payment. I checked the Bill Pay section again and it showed there were no other Bill Payments scheduled and no pending transfers. I checked my account on XX/XX/XXXX to see that my {$440.00} transfer was pending along with another {$440.00} Bill Payment which was previously cancelled. I've spoken with BofA and they are not willing to do anything when the transaction is 'pending. ' For reference, my checking account had exactly {$440.00} in it and somehow BofA thought they would take {$880.00} leaving my account overdrawn by {$440.00} and charge me a {$10.00} overdraft fee so the account balance is now - {$450.00}. This is probably the 6th time I have had this situation occur with Bank of America. They continue to take multiple payments that are either not authorized, are duplicates, or previously cancelled transactions. They offer no support and refuse to claim responsibility for these mistakes.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from Experian stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax mishandled extremely sensitive identity information. When a data breach occurred affecting me, I found out via the news. Equifax made no attempt to call, text, or email me with this very important and time-sensitive information ( despite clearly having the necessary information to do so ). 

When attempting to use the company 's offer of credit fraud monitoring service, the terms-of-service require opt-out of legal rights to join a class-action suit. Since joining a class is a very reasonable and likely remedy for me to recover damages from Equifax 's actions, this clause negates any value offered via Equifax 's proposed remedy. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Last month there was fraud on our account due to XXXX Payment. We put freeze on our account and yet wells fargo still let another fraud payment go through. we opened a new account and closed old checking account, more than a month later another fraud transaction came through. Wells Fargo said that for 30 days transactions from old account still come through!!! Even if there fraud. Makes no sense and it's been more than 30 days. I spent XXXX hours on the phone with different departments not being able to help why fraud charges are still coming out of new account. They told me I would receive phone call a month ago from Wells Fargo and I never received any call from executive office regarding this on going fraud to my old and new 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 2022-05-24
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Remote account Barclays opened late XXXX. Wire to wire deposit XX/XX/XXXX of {$42000.00} from a transmitting bank. Several hours later account was locked out. No further transactions occurred. We receive the Barclay bank statements, interest, and pay the relevant taxes to IRS. There is no access to the account. Originally it was thought that there was a failed hack, resulting from weak internet security ; the lockout was logical. Roughly a year latter XX/XX/XXXX, a bank representative disclosed that the lock out occurred, when linkage to a second bank for further transfer had failed. Without the account lockou, this was not pursued. Unfortunately interacting with Barclays was been rather difficult, with readjusted stipulations or requirements to unlock the scount. They have requested statements from our other two banks in conjunction with other stuff ( driver license, .. ) to unlock the account. Those other two banks have warned us not to comply. Barclays unfortunately works through telephone representatives and uses readjusted stipulations with each contact ; nothing written. We remain at an impasse with regard to recovering our funds and due interest. There was a complaint filed with State of Delaware, though response from that ia way overdue ( 75+days, rather than indicated 30 or 45 )

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 2020-10-02
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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