BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a debt with XXXX and when I could n't pay they sold it to a company called Midland Credit who then sued me when I did n't pay them, so I have been paying them for about 7 months now and I just found out they are a scam, so I have been throwing my money away, which I really want back and have asked them and the XXXX several times, but ca n't get anywhere. The paperwork that I have for them says they can sue me again if I do n't pay them and garnish me, so I am scared, but I am sickened that I am paying a fake company and in the end this debt will still be on my credit. Is there anything that I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I opened this prepaid card with capitalone I put all the money on the card myself when I WANTED to increase my balance I would put money on the card and hit credit increase then they applied it as an increase and not a payment few months into having the card I ask if they do credit increases using their money they said we do n't give credit increases on prepaid cards I said ok. I put my own money on this card thinking that if I increase my own credit it would help my score so later about a year I wanted to close the account so I spent all my money on the card after they got their monthly fees then I got a statement saying I owe them XXXX dollars that they put on my card well I could n't believe this cause they never put any money on my card they made that clear at the beginning that they do n't do increases on prepaid so their contradicting their self I do not owe them a single red penny and I will not be ripped off because they know that I 'm trying to up my credit score so I guess they think they can rip me off cause they think I will pay so it does n't ruin my credit their wrong I will fight this to the end I do not owe them thank you please help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened a capital one credit account a while back and never used the account. 

I found out a few months ago that I had a balance on the account. There had been charges that were clearly fraudulent, as well as late charges because I had n't paid the balance since I was unaware of the charges. 

I called In XXXX 2015 to report the fraud ; they told me the charges would be taken care of. The case number was XXXXI found out this month that the charges were not taken care of and apparently they 've sent the account to collections. I called today and they 've promised again that the charges will be reversed, but I 'm not confident that will happen. My case # today is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: RGS Financial, Inc.
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 was paid

Complaint:
This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage from XXXX XXXX in XXXX. I had a loan modification with XXXX XXXX in XXXX, XXXX. At that time I received a modification agreement from XXXX XXXX with dates that my interest rate would change. The documents states that all other parts of my mortgage would remain the same. I have a PMI schedule from my original loan that states that when my loan reaches a balance of {$220000.00} that my PMI payment would reduce from {$210.00} per month to {$43.00} per month. Shell point mortgage refuses to lower my PMI to this amount. When I have repeatedly requested this, they sent me a document that I have never seen, showing an effective date of XXXX that states my PMI payment is {$210.00} until XXXX when it reduces to {$43.00}. Shellpoint mortgage continues to charge me {$210.00} per month for PMI. When I requested that they credit me back the additional {$2.00} that they have charged me the entire time, they have ignored my request and have not even addressed why they are charging me more than the original amount that both my and their documents show. I feel that this is fraud. They are refusing to honor my contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold by XXXX XXXX XXXX in XXXX 2016. Since then we are getting foreclosure notices and strangers knocking on our door handing us paperwork. We have had a mortgage for 30 years and are down to 7 months before payoff. ( We have NEVER had this problem. ) I 've asked them to review our payment history as I believe they reversed one of our payments. I can not get anyone to reply to my many emails and faxes. I 've read reviews about Shellpoint Mortgage ( aka Resurgent Mortgage ) and have heard many of the same complaints. I know I should refinance to get away from these scammers but do n't want to have to do that with only 7 payments left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
credence resource management LLC XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tried to collect on a debt that was on my recent bankrupsey. I gave him my attorney name. it was a medical bill for XXXX XXXX. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a federal loan through Navient. I am under an IBR repayment plan where I am currently paying {$410.00} per month. On XX/XX/XXXX and XX/XX/XXXX, my bank received a ACH withdrawal request for {$2100.00}. Navient is closed for the evening, but the only thing that I can think of is that it is time to renew my IBR, and I have not received any notice from Navient that my IBR renewal was due and I updated my contact information XX/XX/XXXX. They did not call me when they tried to withdraw {$2100.00} from my account and it did not go through. Instead they kept trying to make a withdrawal, causing me to incur additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Virginia Housing Development Authority. I pay my mortgage online and this month there was an additional fee of {$350.00} indicating it was a fee for possibly mitigation and/or short sale ( it was n't clear ). I tried calling VHDA but could not reach them. I tried just paying my regular mortgage fee but the system would n't allow me to. Last year my loan was mitigated in XX/XX/XXXX and I tried a short sale in XX/XX/XXXX which was denied in XX/XX/XXXX. There was NO indication there would be a fee for these actions. Nothing was said to expect a fee at any time. In my estimation, this fee is purely extortion - a scheme to bilk a customer they already know is experiencing financial difficulties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credence Resource Managment sent me a collection letter. I have never heard of them nor do I owe them any debt. I am disputing their attempt to collect an alleged debt under the FDCPA. I also do n't want any further communication from them, written, phone nor any other means. When speaking with them they become deceptive and hostile in falgrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: Aargon Agency, Inc.
State: AP
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:
After fighting this twice already with another collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) and the originator ( XXXX ). And threatening legal action against all for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped both times ... now again, after six months, another debt collecting agency is reporting the same debt on my credit report ( AARGON Collection Agen ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY orders for XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in korea. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after XXXX missed months ). While I was XXXX to XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Harris & Harris, Ltd.
State: VA
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:
This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

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 2017-03-12
Company: The CMI Group, Inc.
State: KY
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:
XXXX XXXX XXXX is charging me for equipment which was returned. I have spoken to them numerous times about this and they told me in XXXX that this charge was removed from my account. Then, all of a sudden, in XXXX of XXXX it showed up on my credit as being in collections. I called them and was supposed to be transferred to their " recovery dept '' and was left on hold for 36 minutes. I then started a chat session and was also disconnected from that. They have the worst customer service I have ever encountered. I do not owe this and I want it settled once and for all ... not for 2 years and then all of a sudden reappearing on my credit report as a collection account. Very disturbing!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
communication tactic continue to collect a debt i did not owe false statement and representation Cohn Goldberg Deutsch, XXXX XXXX knew the facts were fraud see attached documents submitting XXXX XXXX fraud lost note affidavit. thanks to the GREAT JUDGE THAT DENIED THEIR FRAUD Foreclosure Fraud - Titles Used by XXXX XXXX of XXXX DOCUMENT IN CASE FILE IN 2008 REVEALS FORECLOSURE MILL LAW FIRM CONTROL COHN GOLDBERG DEUTSCH IN THIS CASE # XXXX KNEW THE FACTS WERE FRAUD AND WERE TRYING TO GET HIS HONORABLE JUDGE XXXX XXXX TO SIGN OFF ON THEIR FRAUD SEE ATTACHMENTS TODAY THE THIS SAME DEBT COLLECTOR LAW FIRM STILL CONTINUE TO FILE QUESTION DOCUMENTS IN COURTS TODAY CASE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Bayview Investment Group LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Collection Bureau of Kansas, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
i was contacted by collection bureau of Kansas via phone i verified who i was and last for address then she kept asking questions about income ... .all before telling me what this was about then was told this was to collect a debt instead of initially something from XXXX or XXXX i explained i filled chapter XXXX bankruptcy she persisted to make claims i stated all my debt were covered not to contact me on this because i do not owe it and disconnected i then received this letter in the mail a few days later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX got a msg to call XXXX. Called & person asked for XXXX. Tried to inform woman that 's not my legal or common name, only XXXX. She kept berating & yelling, finally claiming that I was rude & hung up on me. I called back and informed next woman that I had filed for ChXXXX XX/XX/XXXX and had no bad debts what so ever. She promised to take my # off their list. Rec 'd a call XXXX XXXX Sunday about XXXX then again at about XXXX. Informed woman that Collection agencies should not call on Sunday especially if I do n't owe them! Today XXXX XXXX got another call @ XXXX and woman ( LOL ) was reading me my XXXX XXXX over the phone. After informing her that I have no bad debts since BK XX/XX/XXXX, I kept repeating " Cease and desist '' to her because they have no right to harass me for someone else 's debts! The name of the agency given to me XX/XX/XXXX was Credit Control but today the " law enforcement '' sounding woman said she was with " something..XXXX XXXX '' I do n't remember the exact name. When I called back the phone # on XXXX XXXX, the woman on the line said the debt was for housing in XXXX. I think it is in California but I 'm not sure. The caller today tried to scare me by impersonating the actions of real law enforcement personnel. I have clean record but have watched countless detective shows on TV and so I know what the Miranda Rights are!

Company response to consumer: Closed
Consumer complaint received 2015-11-05
Company: The CMI Group, Inc.
State: SC
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:
Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation