BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Kohls/capone On XXXX/XXXX/XXXX I sent Koihls Department a Debt Validation Dispute letter because on my credit account it stated Derogatory acct # XXXX of which I owe {$770.00}. sent it certified Mail Return Receipt requested.Post Mark received on XXXX/XXXX/XXXX. However during the period of days, I received Some bill Invoices correspondence No acknowledge or Debt validation response has come to my attention, They did n't put on my credit report that the acct is disputed.I have sent another letter, waiting the 31 days, I sent another XXXX Disputed Debt validation on XXXX/XXXX/XXXX. But even on the second dispute Debt Validation letter all I received was statements Invoice Bills again with a letter stating they receive my dispute here are invoices to refresh your memory. a week or so passed when I received a envelope with a second letter stated the same date XXXX XXXX, XXXX some more invoices of Bill statement. On Credit check Total which provided you with all XXXX credit bureau on XXXX/XXXX/XXXX its staes Kohls/Capone. on XXXX Charged off as bed debt disputed resolve, reported by grantor. that is false and is in violation, putting words and falsifying, I never had contact by phone or correspondense by me. XXXX was in dispute- now resolve, another lie and violation, I never even spoke.reported by subscriber. unpaid Bal. charge off as a loss by credit grantor XXXXcharge off acct.All I received from Kohls were bills invoices and No acknowledgement of debt validation.I never reported resolve I 'm still fighting this collection. this is a violation of them stating this matter is resolve when it isnt. I would like to know who done this.On My last Bill sent to me as a bill invoice statement it states balance XXXX on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX credit cards and XXXX of them charge me 22 % + in interest. My credit rating is great, XXXX, and my history with those businesses is also good. My payments are on time, always more than the minimum, with no late payments. The XXXX credit card I have has my interest at 9.5 %. 
I have tried many times with these other cards to negotiate lower rates, and have cited the reasons why as well as use competitive bidding with my lower card. TIme and time again they have refused to lower my rates with little to no justification. 
The XXXX cards I have are with Capital One, XXXX, and XXXX. From my understanding they borrow money for little to no interest from the Fed. They then set absurdly high prices with no true reason other than to make ridiculous return in profits while offering poor service to the consumer ( me and I 'm sure there are others ). This is price gouging. 
As we 've seen from the XXXX XXXX scandal there are serious issues in the banking industry. The scandal is massive, widespread, and in my opinion it is clear they knew exactly how wrong it was to do those actions, but did it anyway. I believe this issue with absurdly high interest rates is just as toxic and corrupt as the XXXX XXXX XXXX. This needs to be investigated and there needs to be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Jim Bottin Enterprises, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This skip tracing company and collector kept calling me and other family members trying to collect a debt I do not owe. I have 6 calls on recording and bills ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Skagit Bonded Collectors, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, I discovered that I have been a victim, and continue to be, of identity theft. over the course of the past nine months, I have had to dispute ( as fraud ) a plethora of trade lines, liens, foreclosures, collections etc. through all three of the credit reporting agencies ; XXXX, XXXX and XXXX. As of today, there is still a few companies left that vehemently refuse to remove my fraudulent debt with them even after numerous calls, over 20 x 's disputing with XXXX even though it has been indisputable that these collections are of a fraudulent nature. The name of the company is Skagit Bonded Collections. 

After speaking with them numerous times, it appears that these XXXX collections are medical bills that were apparently charged from a hospital in a town our county to which I have never frequented. even though I was a resident in the state of Washington from XX/XX/XXXX - XX/XX/XXXX, the name and previous addresses that they have on file do not match me. I have never lived at either of the addresses they claim and the debts are apparently under my name with the suffix of XXXX attached. I have sent them and the reporting agencies my passport, driver 's license, social security card and proof of current address to no avail. They continue to insist that this debt is mine and subsequently each time they report such to XXXX, it then changes my name to XXXX. I have disputed these collections every few weeks for the past 8 months and it still sits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in XXXX. 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 2022-05-31
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: OLIPHANT FINANCIAL, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Stellar Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a collection account from Stellar recovery regarding XXXX. When I had XXXX, I called multiple times telling them my service kept going out and they never could the fix the problem so I canceled my service and the technician said they would not charge me and fees related to early termination of my contract- The last time I called to get this resolved dish wanted to send me a XXXX check which I refused. I disputed this with XXXX and XXXX and the item was removed from my credit report. However, XXXX will not remove it after I have disputed with them twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
As of XX/XX/XXXX my home loan was transferred by the XXXX XXXX XXXX to Ocwen. XXXX told me that I had to make my loan payment of {$3600.00} early prior to the transfer. They said that Ocwen would be notified and that the advance payment would be applied to my first payment with Ocwen. This did not happen. The transfer was botched and Ocwen insisted on requiring an escrow account for my loan even though in 30 years of making loan payments there had been no escrow requirement. Because of the extra amounts that they demanded for the escrow, they have claimed that my loan was paid late and was insufficient. I have written to CFPB about this and you were successful in limiting some of the penalties inflicted by Ocwen although they still maintain {$350.00} in late payment fees. 

I would like to have this carry-forward charge removed. I would also like to remove the credit dings ( two late payment indications ) -- - XXXX by XXXX and XXXX by Ocwen for XX/XX/XXXX and XX/XX/XXXX. I have no late payments on my home mortgage record for over 30 years, and no late payments on any of numerous credit cards -- -only these two late payments inflicted by XXXX XXXX XXXX and Ocwen which occurred because of this loan sale that I did not request. 

I have referenced this matter in case number XXXX and case number XXXX. Those have more background for this long standing big bank misbehavior. 
Thankyou for helping. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have subpoena records from Ocwen Loan co for all their internal emails BC I did a deposition for a whistle blower case out of Texas and they are not responding to my lawyers request ... we are now in active foreclosure pending a sale date BC of this place they are not responding BC the particular email we subpoena has them laughing and joking and making fun of us..this place is ruining families lives and you just keep letting them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a vociemail message on XXXX/XXXX/XXXX on my cell phone ( no prior authorization given to use my cell ) from this number : XXXX told to call back about a complaint they had against me. No name or company name given. I called the call back number : XXXX and transferred to a XXXX XXXX. No company name ever given. he referred to me by maiden name ( I have been married 10 years and go by my married name ). He very rudely advised me I had to pay {$3200.00} for an origianl debt of {$550.00} and if I settled today within an hour I could pay {$820.00}. If I did not pay within the hour he would take me to court. When I tried to obtain information about this debt he said he was from XXXX and was rude and yelled at me and said I have all the information and I was calling to pay. He also told me he " looked into my bank account and knew I had the money to pay this. '' And told me they would garnish my wages. and come and subpoena me at work. He would not give me any information and said I must call back within an hour or he was taking me to court. I never received any paperwork or notice of this ever. I have no idea who this company is as it was never identified. I have no idea what this about. i have good credit and no debt has showed up on my credit. I tried calling back and with my friend who is a lawyer. They hung up on her accusing her of identlfying herself as me, she did not. She advised she was calling about an account and they assumed she was me as they never gave her the chance to advise who she was. As soon as she did they accused her and hung up. We were able to get a name of the company either pruvant or provant mediation. Each time I called to get more information they disconnected me ( total disconected over 7 times ) and accused me of already getting the information from them in the first call. They hang up each time I spoke to them without providing information and when I ask for more information or when my frined asked for information. They were rude, provided me with false information - that they went into my bank account, could go to work and subpoena me and threaten me all without even telling what the money was for or idenitying themselves. They have violated the FDCPA, XXXX, and XXXX with their scare tactics to say the least. They kept hanging up so that I could not even get an address to send a letter to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a debt collection notice from PAM, LLC which is the second time I 've been harassed about a fictional debt from this company, and also is the second time I 've been notified of this particular fictional debt ; the first time by a company which ended up settling a class action lawsuit from which I received a settlement award for opting in. I can assure you that the car in question has never been driven XXXX border and would not have made it on a return trip if it was.I was day playing for a rental house company in XXXX the week in question, but was given the day off. At the same time, I was helping coordinate the XXXX portion of a documentary shoot that was to take place in XXXX and was in correspondence with the production coordinator on XXXX XXXX, XXXX among other days that month. I believe now as I believed the first time I received this notice that this was part of a ticketing scam in XXXX. I am not a XXXX resident, nor had I traveled to XXXX since XXXX as part of a XXXX and even then, I did not drive my personal vehicle. The first agency refused to accept the idea that this was a phony ticket, even though there are plenty of instances of this occurring and ended up losing a class action lawsuit. The current company has harassed me in the past and I had to report their tactics to an agency in order to back them off. Unfortunately, they seem to be using a tactic in which I can not prove without a doubt that I WAS N'T there, since I did not have any check-in points throughout the day, but my plans and activities before and after that date should imply that I was not there and had no plans or intentions of being there, not to mention there is no photographic evidence to support THEIR 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 2015-07-17
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.

Company response to consumer: Closed with explanation