BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An Affidavit of Fact and Cease and desist notice has been sent to Marcus by Goldman Sachs their correspondence address for debt verification/validation request on XX/XX/XXXX to provide proof of a debt allegedly owed. The account in question was first initiated by my personal/private identification and credit card information ( truth in lending act ). My household partner XXXX XXXX and I have made payments on this account for 12 months straight beforehand, upon fruther investigation billing errors were found including but not limited to Marcus by Goldman Sachs failing to provide me with General Disclosures which are requirements and is a violation ( among others ) by the Code of Federal Regualtions. There must be further investigation of this matter and will continue to seek relief to peacefully resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Independent Recovery Resources, 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:
I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.

Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.

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 2022-11-21
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never attended XXXX XXXX XXXX. I graduated in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: DFC Global Corp.
State: FL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a victim of ID Theft, I reported it to BMO on XX/XX/15. They told me no accounts were opened but come to find out a savings and checking account were opened. They blocked and closed the savings but left the checking open until I called today. They violated UDAAP, FACTA and FCRA regs by being dishonest. Now I need to have inquiries removed from my credit and XXXX and 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 explanation
Consumer complaint received 2016-12-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of 2022. I have one medical bill in the amount of {$240.00} that an out of network provider is charging without my prior authorization- it is reporting on my XXXX report twice.

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 2022-11-21
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Three times I've formally requested LexisNexis to remove addresses which have never belonged to me. Three times after waiting 30 days, LexisNexis has verified these addresses using themselves as the source of verification. This violates my rights to a fair and accurate credit report. They know a reinvestigation can not be them using the inaccurate information they themselves house. 

Enclosed with this complaint, please find a copy of their reinvestigation stating the means they used to verify all these inaccurate addresses along with a copy of my Texas Driver 's License and a bill. Both have my current address ( I have lived here for more than 20 years ) ; this is the one and only address I rightfully and legally should have on file with LexisNexis. 

All other addresses on my LexisNexis report are to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Cadence Bank
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have an mortgage loan with Bancrop South and I have been treated like I do n't matter. I have had problems with them contacting me when I have questions or issues. As of XXXX/XXXX/2016 I do n't have homeowners insurance and it is because Bancrop South did n't pay the insurance company when I submitted the documents. I was told by XXXX XXXX that they will also contact Bancrop South also. Well I do n't know what happen but I talked with the Insurance Department of Bancrop South and that was weeks ago and I have n't heard from anyone. As a customer of Bancrop South I was never given the opportunities to lower interest rates, I was denied a loan to refinance my home to get a lower interest rate and never notified of how thing work with escrow. I 'm a first time homeowner and I was never educated on how escrow works.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and mental state are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We had a credit card balance of {$810.00} that was due on XX/XX/XXXX The amount was paid on XX/XX/XXXX 

On XX/XX/21, we tried to use our credit card to pay a vet bill of {$140.00} and the card was declined. It was embarrassing and didn't make sense since we knew the {$810.00} was taken out of our checking account on XX/XX/XXXX 

When I called the credit card company, I was advised that they aren't crediting our {$810.00} payment until our next statement dated XX/XX/. They have received the payment of {$810.00} on XXXX. How is this legal?

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 2016-02-20
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. XXXX auto used subscription I did not authorize after canceling subscription. XXXX listed itself as different names and I had no idea who the debt Iwas actually acused of owing. XXXX sold my debt to at least XXXX company I know of, Portfolio Recovery LLC, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. Portfolio Recovery LLC claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But XXXX claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in 2015. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: OKCoin USA Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Summary : A cryptocurrency exchange has taken {$1000.00} of my money but does not show that deposit in my crypto exchange account. I have full documentation of the transfer of funds. 

Details : " OkCoin.com '' is the US presence of OkXXXX, which is a cryptocurrency exchange. I believe OkXXXX is based in XXXX. 

I created an account with OkCoin.com, registered and validated my identity. Then I used the okcoin.com website to transfer {$1000.00} from my bank, XXXX XXXX XXXX, into my okcoin.com account. 

I have an email from OkCoin.com that says my deposit had cleared, and I have a record in my XXXX XXXX account that shows the withdrawal/transfer to OkCoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my XXXX Capital One credit card on time, but the credit card company delays the date it posts the checks to the date that the interest charge is made, the very same XXXX they post the interest charge just before XXXX of the XXXX checks they require me to send XXXX I use the credit card for my children 's charges, parent 's charges, a small business charge & my personal charges. They lose some of them, post them late to deliberately get an interest charge. 

This XXXX because of the poor service, I sent the checks to clean up the whole account, including the bogus interest charge they put on last XXXX, but they are again delaying the posting of the payments, which mailed XXXX XXXX XXXX 

I know for a fact they are losing some of the checks as XXXX never showed up despite mailing on the same XXXX 

Other items I mail have rarely been lost & seems wrong that XXXX XXXX in a row they are losing or not posting checks I send. I have had this company for many XXXX & have not had interest charges before, let alone XXXX XXXX in a row. I can't fix them, they need to fix themselves & I have contacted them & pleaded my case more than once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened a secured credit card up wit Capital One back in XX/XX/2015. Prior to submitting my application, the description for the credit card stated that it was a secured card and after excellent payment history and never being late on the card, I would get back my {$200.00} security deposit. This was one of the reasons I went ahead and applied for the card. Now, I do understand that I had a card previously with the company which I unfortunately had to default on but that is beyond the point of this one. I have continuously tried to contact Capital One to get back my money after making excellent payments and never being late. I have always been told that that offer was no longer offered on my card and that the only way to get my money back was to close the card. That is not what I want to do. I wish to keep my card. I feel like I was defrauded by Capital One and was given false pretenses. Not one time did I ever receive any information to state that my card was not eligible for a refund. They even gave a one time only credit limit increase while after I had my card for about a year and a half. I feel like I should get my money back. The information on their website in reference to the secured credit cards still have the same information that you can get your security deposit back. I just want my money back as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Tate and Kirlin Assoc
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation