BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Based on the following Washington XXXX XXXX I attempted to open an online checking account with CapitalOne 360 : Capital One to stop using program to weed out customers with history of account overdrafts By XXXX XXXX XXXX XXXX, 2014 Capital One Financial said Monday that it will no longer use a popular screening program to weed out potential customers with a history of overdrawing their accounts, an industry-wide practice that has pushed thousands of people out of the banking system. 
Unfortunately, after providing some basic info to the CapitalOne site, I received the following message : Looks like we could n't open your account. 
Be on the lookout soon for an email with more details. 
We know this is n't the news you were hoping for. We declined your application based on information we received from XXXX a consumer reporting agency. We 'll send you an email shortly with more info. If you have questions in the meantime, you can contact XXXX at XXXX or XXXX a new window. 
It appears that CapitalOne is still denying applicants based on XXXX and I wish to file a formal complaint for non-compliance by CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX I used the Capital One Credit Card payment system to authorize a payment of {$150.00} to my credit card. I discovered on XXXX XXXX, 2015 an un-authorized deduction from my checking account of {$1800.00} taken by Capital One Credit Cards. I have spoken to XXXX customer service representatives. XXXX supervisors and XXXX senior supervisor. They have promised to refund my money within XXXX days since XXXX XXXX and this has not happened. They have also refused to pay the insufficient fee charges {$230.00} that have hit my account for the bills that I had to pay. On XXXX XXXX I noticed the money had not been refunded so I called back to Capital One and was told that the situation was still under investigation and the funds were not released. When I asked to speak to a supervisor I was transferred to XXXX who told me that the funds would be in my account by Thursday evening. I asked if she was sure and she said yes. I told her that I had {$200.00} in insufficient fees on my account and several bills still coming through. At his point my account was now negative by {$1300.00}. She provided another XXXX. XXXX number and asked me to send a statement from the bank with the amount of insufficient fee charges my account had received. 
On XXXX XXXX I called again and requested a supervisor, I was transferred to Senior Supervisor XXXX who told me that my money is still sitting with Capital One, XXXX week later, because they are trying to see how this happened. I told her to send me money and you all can investigate this on your own while my money is sitting in my account and she said there is nothing she can do. I have a mother with XXXX and XXXX children that I am supporting. Every dime I make goes toward our living expenses. I explained this to Capital One Credit Cards and they do n't feel that this is their problem. I need the money for the insufficient fee charges returned to me. Currently the fees are at {$150.00}. The reason I am writing is to complain, Capital One Credit Card staff have lied to me and given me the " run around for a week ''. Why I should pay a fee for a mistake that Capital One 's system made. It is impossible to enter XXXX payment requests at the same exact time into their system unless you are sitting at XXXX separate computers. Also, if there is an issue with their system I would think ( in this era of hacking that the focus would or should be on determining where the problem lies ). Can you help me get my money back please? 

Capital One has been highly unprofessional, and condescending. I feel like they think I am a joke every time I call. 
Their is a problem with their system. This is not a consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
LVNV Funding is attempting to take me to the magistrate in retaliation for having their account removed from two of the big three credit reporting bureau. After investigating a dispute both XXXX  and XXXX  requested records and verification of a debt LVNV bought from XXXX XXXX. LVNV was unable to provide proof and the debt was removed from those reports. LVNV is now suing me in retaliation. The XXXX XXXX account is over 9 years old and legally can not be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Shellpoint Partners, LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a second mortgage with XXXX which sold the loan to US Bank and then was managed by Shellpoint mtg. I paid the loan off XXXX. When I tried to refinance, the lawyer doing the title search found that the release of the deed of trust was not done properly. I filed a complaint with you against Shellpoint mtg but they STILL did not get it right. The lawyer, XXXX XXXX, has e-mailed US Bank and they refuse to answer her e-mail. Until US Bank does a proper deed release I ca n't refinance or sell my home. If they have the authority to put a lien on my property, they should be made to release it properly when paid in full. This situation is ridiculous. XXXX is saying they released it properly but the lawyer is saying US Bank either needs to release the deed themselves or give XXXX mtg power of attorney saying they had the authority to release the deed of trust.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a statement from my mortgage company saying I did n't owe any money for XX/XX/XXXX. I followed up with a phone call and was told that in fact I did not owe anything for the XX/XX/XXXX payment. 
Three weeks ago I started receiving phone calls from the mortgage company and I told them if they has an issue with me they needed to send a written statement to my home. 
Now they are saying that I do owe for XX/XX/XXXX because they made a mistake. I said I would be happy to pay as soon as I get a written explanation of the error and a written bill for the missing payment. They refuse to do so. 
They are threatening to send me to collections. 
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
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 law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage Services is reporting inaccurate information on my credit report. This account was included in my bankruptcy by they are commenting that foreclosure proceedings have started. That is not correct. How can an account I had included in bankruptcy also be in foreclosure? I even disputed this account directly with them and they failed to mark this account as being disputed which is a violation of the Fair Credit Reporting Act and a no-no when it comes to the FTC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A tree fell on my mom 's home after a terrible storm early XXXX. The insurance company and the contractor responded very quickly and was able to get everything fixed within a month. The first payment from the insurance company, payable to my mom and Ditech was on XXXX XXXX. The check with all the supporting documents were sent to Ditech and receipt was confirmed. Ditech promised a XXXX10 days turnaround of 95 % of the check amount. We have NOT received any payment from Ditech. Many calls some of which I have recorded has yielded nothing but frustration. I advised them of the completion of the work on XXXX/XXXX/16 and an inspector was 'dispatched ' to call me. I have heard from no one. 
The last call to Ditech on XXXX/XXXX/2016 advised that no money will be sent until the final inspection. Which I was told was ordered on XXXX/XXXX/2016. We would certainly like all the funds released so that we can pay the contractor and the tree removal company and avoid any legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Concord Resolution Inc (Closed)
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have been approached by Concord Resolution ( & XXXX ; XXXXXXXXXXXX & gt ; : advising me that I had a payday loan from XXXX 2013. I asked for a signed document indicating my agreement. " XXXX XXXX '' sent me a collection letter from his organization from another collection agency by the name of XXXX XXXX XXXX. 
I have taken out payday loans but I can assuredly state I did n't get XXXX at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: SC
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:
I've reported fraud via mail and I haven't received an update.

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 2016-01-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation