BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have not received my pay check that was direct deposited into my rush card account. I have not been able to provide for my children and my bills are mounting up. I need my money so that I can provide and Rush card has kidnapped and is still hold my money that I worked for as hostage. Please help ..I am in a bind. I will never use Rush card again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
The reason for my complaint is : Improper reporting of credit to the XXXX major credit reporting agencies. XXXX separate credit card accounts dating back to when delinquencies started ( XX/XX/2011 & XX/XX/2011 ). The XXXX referenced items were supposed to be " charged off " 150-180 days after the dates of delinquency ( as told to me from a current co. I am working with to secure a loan and by the credit grantor that created the problems ). They were not. They are still being reported as being late. XXXX credit card : 30 days 1x - 60 days 1x - 90+ days 64X. XXXX credit card : 30 days 1X - 60 days - 0X 90+ days 64X. The credit grantor stated, " The dates of the credit cards " charged off " were XX/XX/2011 & XX/XX/2011 ( respectively ) '' .The credit reports from the XXXX reporting companies do not indicate this at all. I was told, " The accounts are in the Recovery Dept. ''. 64X @ 90+ days late = 5,760 +/-. Well past the time they were supposed to have been " charged off ". This has greatly affected my credit in the past years and is currently affecting my credit. I am in the process of applying for a home loan and the loan co. noticed this on my reports. I do not get regular credit reports or keep a constant watch on what is and what is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
To whom it may concern, I XXXX XXXX received a credit card from capital one. I had used the card once to withdraw {$60.00} from the ATM the card worked perfectly. Then I went to the store to purchase a gift for my daughter, the card declined. I went to another store with the same results. The next day I called capital one to check my card and was directed to the fraud division. They asked me a few test questions which I had answered all correctly except for one question. I was instructed by capital one to send a copy of my social security card, utility bill and my New York state ID. First I had faxed everything but capital one said that it was n't clear enough. Then I had uploaded it on my lab top and capital one said that it would take 24 hrs. before my card could be re activated. After the 24 hrs was up I was told by capital one that it would now be 72 hrs. I participated in capital one 's survey giving them a horrible review., at the end of the survey capital one asked me was I the same person who contacted them on XXXX XXXX. I had replied saying yes and now when I call capital one I can never get a live person on the phone. I received a letter from capital one today stating that I might be a victim of identity theft which is another lie that capital one has told. Some of my friends have said that the same thing has happened to them. My husband said that he was n't ever able to use his card because Capital one told him that he was a victim of identity theft. Capital one done nothing but send me back XXXX and sabotage my daughter 's birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Jim Bottin Enterprises, Inc
State: MS
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:
I had an annual membership with XXXX in XXXX XXXX 2015. 6 months later, I was relocated to XXXX. So I made a cancellation for the gym membership in the end of XXXX 2015 just before I moved to XXXX. At that time, I asked to pay back the balance of the annual membership fee with presenting my new XXXX XXXX in XXXX , but they simply refused it. I did n't have time to dispute with them and just canceled my membership. Cause it was my last day in XXXX. 8 months have passed after I moved to XXXX . Suddenly I received an email from ABC financial services for the membership fee of XXXX XXXX XXXX XXXX. They argued the contract was not cancelled and asked me to pay membership fees. I sent documents to a general manager of XXXX XXXX XXXX XXXX so he can cancel the collection per trainer 's advice. It included an email from ABC financial and my utility bills in XXXX on XXXX 2015. After that, I have tried to talk with him for a week to ask a cancellation on the bill collection. I left my numbers to other trainers so he can call me back. However, he never picked up my phone and called me back. This is the reason I want to solve this issue through CFPB. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the second complaint that I have filed with CFPB as the company has not stopped continuously calling me after I TOLD THEM NUMEROUS TIMES that I am not the person that they are looking for. 

These are the companies that harass me daily : XXXX XXXX XXXXProfessional Bureau of Collection of Maryland

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-06-21
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The promissory note states that I " must '' provide XXXX separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? 

You state that I failed to " return phone messages from ECMC or to contact our Collections Department to discuss options. '' I am reattaching all of the communications that I have had with ECMC as I was always in contact with your department to seek a just solution. From the onset of my communication with ECMC, I stated my preferred method of communication on XXXX XXXX, XXXX ( please review Communication XXXX ) as my email address. Please refer to the XXXX XXXX, XXXX email ( Communication XXXX ) where XXXX XXXX confirms that " I know that your preference has been email. '' As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? 

Currently, I am in communications with XXXX XXXX, your manager in XXXX via email as I have requested to work on a resolution. Please have all of your departments contact me via email as originally requested. Do not call anyone else concerning my loan. And please answer every question in this response. You have not answered these specific questions in any of your prior correspondence.

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 2015-07-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. 

Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A bill for {$93.00} that I do not owe. Looks like a scam letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation