BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I contacted Capital One Bank 's customer care handling credit card payments on Wed., XXXX XXXX, 2016 at XXXX XXXX. as soon as I arrived home from work. Payment due then and I wanted to submit my first payment. Bank had closed and I went online chat to make payment. The customer service person stayed away from the phone so long that I sent chat asking if she were assisting another customer. Once she returned she said another department would assist me. It was XXXX XXXX. then XXXX where I reside ( XXXX, Texas ). A guy came on line and when I told him that I wanted to make my payment, he also took awhile to return to chat at XXXX XXXX saying what I already knew -- my payment due today. He continued saying that since it was after XXXX XXXX my payment is officially recorded as being late! I informed him that it was slightly passed XXXX XXXX my time, but he did not care. I told him that I would take this matter before CFPB. This morning, XXXX XXXX, I visited Capital One Bank to speak to the manager at XXXX but he had not arrived and they were short on staff. I had to get to my job and waited as long as I could but it was just taking too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EdFinancial Services
State: VA
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 was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XX/XX/2021 that I did not file and they are up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed a letter on XX/XX/2021 to XXXX, XXXX, and Equifax about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: The CMI Group, 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 pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: North American Credit Services
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion is not following FCRA laws to dispute inaccurate personal information and an error on an account on my credit file.

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 2017-04-02
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notification from XXXX ( XXXX ) XXXX dated XX/XX/XXXX ( Exhibit # 1 ) that my home was about to go into foreclosure because I had not paid my property taxes since the second half of XX/XX/XXXX. My escrow is included in my house payment. Exhibit # 2 is a copy of my XX/XX/XXXX property taxes. This shows MY account number ; and displays that indeed no taxes have been received since the first half of XX/XX/XXXX. Exhibit # 3 shows that the monthly property taxes have been being paid out of my mortgage from XX/XX/XXXX. The last page of this exhibit shows, however, that my taxes were being paid to the INCORRECT tax account number, as well as the wrong person 's ( notice the name and address ) name and address. Exhibit # 4 shows a letter dated XX/XX/XXXX showing the agreed upon repayment plan amount of {$1200.00} from XX/XX/XXXX-XX/XX/XXXX. I received in the mail today the updated payment plan ( Exhibit # 5 ) for the remaining eight months XX/XX/XXXX-XX/XX/XXXX payment of {$1100.00}. 
I made 22 phone calls and spent two and a half hours in the office with my adviser, plus numerous amounts of research on my own time to get this situation straightened out regarding my mortgage company, Shellpoint Mortgage Servicing to resolve this situation. The final straw for me was when they raised my repayment plan amount from the agreed upon {$1200.00} to {$1300.00} when I called them to make my XX/XX/XXXX payment. The only response I could get, when asked why, is that 'This is what the system is telling us '. Upon, finally reaching the escrow department, they informed me, the payment was being increased because I had to pay the outstanding tax balance, while they waited for the refund ( from the county ). The mortgage company had made the correction in XX/XX/XXXX. It was at this time, ( XX/XX/XXXX ) I contacted my adviser. He spoke with Shellpoint Mortgage and told them we were going to file a suit and report them to CFBP. I had heard nothing yet, by XX/XX/XXXX ; and wanted to get this situation resolved before I made my XX/XX/XXXX payment. Once again, three phone calls got me nowhere, except " We are working on this. '' I reiterated that I would be starting law suit proceedings and referring them to CBFP. Amazingly, later that afternoon, the supervisor called me directly to state that the escrow situation had been cleared up and the remaining eight months of my repayment plan would be {$1100.00}. I received this confirmation in the mail today, and do not plan to accommodate any adjustments they might suggest be needed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Receivable Solutions, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have account with XXXX XXXX XXXX XXXX - XXXX. Original bill was {$1200.00}. Insurance paid {$900.00} leaving an approx XXXX balance. I have made regular payments on this account and have a balance of {$100.00}. They turned this over to collection agency. They encourage you to go through the website and pay on XXXX which I do every other week. When you pay it does not give you the option of which billing, which invoice it just takes the payment. They state that all of my payments have been going to this account with they turned over to the collection agency. They are doing the same thing to me on the hospital billing it shows I owe {$1600.00} which I have been making regular every other week payments. The portion that they applied my payment to they have turned over to collection agency for {$1100.00}. My balance on my account with them still shows {$1600.00} which includes this {$1100.00}. So they are telling me I have to keep making payment to them on the {$1600.00} and call and make arrangements for payments to the collection agency for the {$1100.00} as well. None of this makes since nor is it fair. I have made payments they have applied them where they want them to go and they turn them over to collection with no notice. What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: First Data Corporation
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I signed up at XXXX XXXX for a credit card processing machine. The sales person told me I could try it out and see how it worked for me. I returned the machine to him 2 weeks later stating it was too bulky and the monthly fees were too high for the amount I processed. He took back the machine within the 30 days and I was under the impression this was closed and done. I went to check my credit and see a charge for $ XXXX from First Data and when I called to dispute they said he never closed the account or ended the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: First Credit Services Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Account information incorrect

Complaint:
Reached out to XXXX XXXX and equifax via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Blackhawk Network Holdings Inc.
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX giftcards together valuing approximately {$1500.00} from Giftcards.com of XXXX. When I attempted to activate the cards, I was unable to do so and directed to contact customer service. I called and was told that they were unable to help me and would escalate it to their " second level department. '' They said it would take XXXX business days to receive a response. That was on XX/XX/XXXX. On XX/XX/XXXX, I still had not received a response and am still out {$1500.00} which I badly need. So, I called again. This time, I was told that they could offer me no information or help and that it could take an additional XXXX hours to receive a response. So, I waited a third business day. On XX/XX/XXXX, after receiving no contact, I called again. I spoke with a XXXX, then a supervisor, then a XXXX. All three told me that they could offer me no information or help and said that it would take another XXXX business days to receive a response. It is XX/XX/XXXX, and I have received no contact from XXXX. I need this resolved immediately. XXXX has wrongfully frozen my account for no explainable reason resulting in personal losses of time, frustration, and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Credit Protection Association, L.P.
State: NJ
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:
There is a collection account on my credit for {$290.00} for service I never used.

Company response to consumer: Closed
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Credit Protection Association, L.P.
State: IL
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 receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-05-17
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was using Gemini to transact some Crypto currency and transferred money to my account. Unfortunately on two transactions I forgot to include a reference number so I emailed Gemini. They responded with a request for verification of my identity which I submitted immediately and their response was the money had not been received.. However this is not my actual complaint - they then suspended my account and it remains suspended until today meaning I can neither see if my bank transactions were credited to my account nor can I remove my other funds or trade. There has been no reason given and despite repeated emails to their support team more than a month has passed and I can not access my account. I have followed the verification correctly on XX/XX/XXXX and have repeatedly emailed them to no avail. I believe they are a fraudulent company illegally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a addendum to complaint XXXX. I have sent XXXX everything they 've requested yet they continue to disseminate false information to my Credit Report. 

Please be advised if you do not remove this Tradeline from my Credit Report I will sue your company for violations under FCRA/FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ocwen Financial Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.

Company response to consumer: Closed
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.

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 2021-05-17
Company: Choice Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Choice Recovery, Inc. sent me two statements XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX, XXXX for {$320.00}. I sent the firm a cease letter by certified mail on XX/XX/XXXX and the firm still reported this debt to the CRA. I had to dispute it to have it removed. Choice Recovery, Inc. sent another letter on XX/XX/XXXX for XXXX XXXX, XXXX for {$170.00} I sent the firm a cease letter on XX/XX/XXXX and the firm still reported this debt to the CRA. I need this false reporting removed from my credit report and the firm needs to know the FDC act. Its just a matter of time before they create another fake collection with a diffrent dollar amount and disregard my cease letter and report it to the credit reporting agencies. I need this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My FHA mortgage lender was Bank of America, which was one of the most challenging financial arrangements I 've ever entered in to. As of XXXX XXXX, 2015 I was notified XXXX XXXX Mortgage would be my new servicer. On XXXX XXXX, 2015 I paid my mortgage via the telephone. I spoke with XXXX at Bank of America and authorized a payment of {$2200.00} and received a confirmation number of # XXXX. On Friday XXXX XXXX, 2015 I checked my checking account and noticed that Bank of America with drew {$2400.00}, {$140.00} more then my established payment of {$2200.00}. On Monday XXXX XXXX, 2015, I contacted Bank of America and spoke to XXXX, who confirmed that Bank of America did indeed take to much money. She insisted however that they could not issue a credit since they are no longer the servicer even though it was there mistake. I then contacted XXXX XXXX Mortgage who told me my account would n't be active for 8 more days and they could n't help me. I proceeded to call Bank of America back who continued to insist it is n't there problem. Once again I contacted XXXX XXXX and spoke to XXXX who indicated that she would send an email the " back office '' and explain that I should be given a refund. I insisted I be notified as to when the refund will be mailed and was told not to worry about it, it will go fast once their legal department contacts the court to get approval???? This is unbelievable and is another inappropriate banking excursion in a long string of fraudulent activities carried out unchecked by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 6 opening account with XXXX  XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.

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