BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: Debt Recovery Solutions, LLC
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:
I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

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 2022-04-19
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 {$100.00} I went to XXXX XXXX XXXX. And they checked in there system and told me that there was never an open bill, everything was payed at time of service. 
Collection service of Athens send the collection note in the mail, there phone number also comes up as scam if you XXXX  it.

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 2022-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony bank closed my credit card account without my authorization after I made a payment for over {$1500.00} with them. No one ever told me the account was closed.

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 2017-01-04
Company: Stanislaus Credit Control Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XX/XX/XXXX, i opened a complaint Case number : XXXX in this i showed that stanislaus credit control had deleted and reinserted XXXX collections without sending the proper reinsertion notice within XXXX days ( which is required by law ). the response i recieved on Case number : XXXX was that they were going to look into this. It clearly has been more than XXXX days, and yet XXXX of the claims is still illegally on my credit reports for {$220.00}. stanislaus credit control has broken the law by deleting and reinserting these accounts mutliple times ( i have proof of this ) not sending a reinsertion letter. i recieved a copy of XXXX bills from this company that did not validate any debt as it was a copy of XXXX bills .... both without signatures and broke hippa as the line that shows that it was ok toreleased info to process the claim was blank. i will be seeking legal remedies if this is not resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX of 2016, ditech received my mortgage payment. Instead of applying to the monthly payment, they applied it towards escrow account. On XXXX XXXX, i received a billing statement for XXXX mortagage as well as XXXX. In addition to that, they slapped XXXX dollars late payment fees to that. I called them up on XXXX XXXX and questioned them. They said they applied it to escrow. I never instructed them to do that. They said they will reallocate that funds and correct the problem and erase the late fees. A few days later, i called them to check on it again. The problem were not fixed. They said a few more days. So on XXXX XXXX, i called again, and still the problem were not fixed. They took my XXXX payment and applied it towards the may payment and make it seems like i am late for XXXX again. And the late fees is still there. The lady said to give them a few more days and they will surely fix it time. She said she checked the system and there were no notes to reallocate the funds. But it did show that i called them. Ditech and their employees are not being truthful and causing me grieves. I spent so much times trying to resolve the problem they created and worried about the problem they created. 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 2021-01-28
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX Government Services, due to financial fraud, and protected by Consumer Rights. Immediately following Speedy started sending me terrible threats, and posting on my Credit report, assigned later to NCA FOR COLLECTION, changing the information when the acct was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: STATE FARM BANK, FSB
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: PREFERRED CREDIT INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/2013 I sign this contract and payments are {$90.00} per month and I have three years with this account and gave me an interest of 13.99 and this does not lower the total cost account I look at credit report and there are XXXX debts the same company called Credit preferrred, inc like me saver that is not the low debt I already talk to them and say that everything is fine but I see how much state or payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: AMERICAN ADVISORS GROUP
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had {$20000.00} damage to my home last XX/XX/XXXX. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. XXXX refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a {$16000.00} insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm XXXX years old, all of my savings are gone and I live on my SS check. I 'm desperate. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Vantage Sourcing, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Wakefield & Associates to resolve a debt. I want to pay. We cameto an agreement to settle my file with XXXX. Payment was due XX/XX/2017. They did not disclose any addl fees added on until I called them to make my payment. The amount was XXXX. I was also told at one point their client was charging interest. Turns out Wakefield is adding interest. My bill in early XX/XX/2017 was around XXXX. We agreed to settle for XXXX. I called the origginal creditor for resolution. They spoke to Wakefield and now my balance is XXXX.

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 2017-03-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Inadvertantly found out through local court system that they are trying to issue a civil warrant for my husband and I. showing on court website that a civil warrant has been issued for us. it lists XXXX and the attorney who filed complaint against us. so I XXXX the attorney and call the number. they answer as Wakefield and Associates of XXXX tn. I give ss number as I have no account number and they tell me that im being taken to court over a medical bill from 2012 to XXXX XXXX. I ask why I had not been informed of debt, and lady tells me that they dont have to inform you of anything. they have never sent anything to me regarding the debt, not even a phone call. Just automatically sue for XXXX thats after theyve added fees and interest supposedly. How can this be legal. I called my medical isurance, they needed a form filled out, and would then pay the claim, but Wakefield and Associates says we still have to get sued. i dont even know the amount of debt owed to the original creditor.

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 2017-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
onXXXX 2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for Portofolio recovery. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is XXXX. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been locked out of my coinbase account. Tried to log in but every time they ask for a 2 step verification the text is never received. the account has {$100.00} in it. XX/XX/2020. 
I have sent them emails but no response from nobody. 

I just used a different phone number just to test out if the sms verification is down but to my surprise they did sent out a code to that phone number. 

I requesting help to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a balance transfer through Capital One. They claimed they sent a check to XXXX to pay off the balance I had with XXXX. After a month of my balance transfer not going through XXXX but Capital One was showing the balance transfer had went through I started an investigation.It took months for Capital One to follow through with getting a copy of the check they claimed was cashed by XXXX. Recently XXXX sent me a letter stating they did not cash this check that Capital One is claiming was cashed. Since XXXX I have been trying to get this resolved. Capital One has charged my account for a balance transfer that never went through on XXXX. So now I'm being charged {$3400.00} on both credit card accounts. This issue has yet to be resolved and it's going on 4 months now. No one seems to take accountability to cashing this check. It's lowered my credit score as well. Every time I end the phone conversation with Capital One the problem  doesn't get resolved. Some party cashed this check. There has to be a way they can track who cashed this check and why it wasn't applied to my XXXX account. I feel at this point I've been taken advantage of. I want my balance transfer canceled through Capital One. XXXX has no record of the check that was faxed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Aspen National Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.

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 2022-04-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.

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