BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Zenith Financial Network Inc
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! 

This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. 

In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. 

By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.

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 2015-12-27
Company: ERC
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 is not mine

Complaint:
ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.

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 2016-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/XXXX/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 2015-05-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment on XX/XX/XXXX before XXXX XXXX  XXXX XXXX and Guild mortgage reported my loan past due when I made my payment before the end of the month online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Portfolio Recovery Associates has tried twice in the last XXXX years to settle with me. I gladly oblige to discuss settling but they are asking for more than what I owed. I have repeatedly asked them to provide me with a statement balance so that I can show them what I owed and they will not. They instruct me to call the original lender XXXX but they do not keep statements for when I had this credit account. Portfolio Recovery Associates keeps reporting my account as in collections but have not made written or phone correspondence with me. The times I have spoken to a representative they confirm my address which has remained unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loans charged excessive fees when i refinanced the loan. After a painful and long waiting resolution for the arrears i was able to cure the default and pay the loan with another loan. I do not quite understand what they charged in the escrow balance. I do not have a break down of the charges and fees or an explanation. In addition Caliber Home Loans sent XXXX different pay off to escrow .I signed documents in escrow based on the pay off for XXXX XXXX and on XXXX XXXX Caliber Home loans faxed another pay off to escrow .I signed escrow and Title documents based on the XXXX XXXX pay off .I am still waiting for an explanation. It is not clear they pay the property taxes twice or what they charge in the escrow balance. I need a break down of the charges and fees in the escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Kriya Capital, LLC
State: IL
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 keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had recently received a check for a settlement. The check was a Capital One check. I had deposited this check in an ATM, and then followed up with Capital One that same night about when the funds would be available. The agent on the phone said that as it is a Capital One check that {$1000.00} would be immediately available, and then more amounts would become available as it was a rather large check. The agent had assured me that the {$1000.00} funds were available. The next morning I checked my account on the mobile app and Capital One had it showing that the full amount of the deposit was available. I then went spending as if that money was available. A few days later I went to buy some food and my card was declined. I called Capital One and they informed me that my account had been overdrafted and that the check I had deposited was put on " security '' and that is was my fault for not checking the balance each time I spent money, I went through XXXX managers and they all refused to understand my point of view. Ironically, they sent me the same check I had deposited in the mail a week later and told me nothing was wrong with it. The next day I went in the branch and closed my account after them smiling at me paying {$420.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA bank WILL restrict its members access to accounts if they owe money to them for ANYTHING- NSF fees, overdrawn accounts, credit cards and loans. They will completely empty your account and leave you with NO money even if ALL of your money comes soely from XXXX ( VA and social security ) BE VERY CAREFUL when dealing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding. 

They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove. 

I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX/XXXX/2015 I am receiving calls as follows. Seems their ROBO caller is calling XXXXtime then XXXX times then XXXX time and now its has started every hour. They have called my Employer and said that they had papers to be delivered to me and that the server was outside my office. I called them and told them that if they called my employer or my office again I would file a complant. Now it is getting worse. I work for a XXXX. I do not have time for this XXXX. The account is already passed the Statute of Limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been an AMEX Bluebird cardholder since XXXX XXXX. On XXXX XXXX, XXXX, I disputed what I suspected was a fraudulent charge for {$240.00} on my Bluebird AMEX. AMEX issued a provisional credit to my account while it investigated the charge and notified me by email. On XXXX XXXX, XXXX, Bluebird AMEX informed me by email that the provisional credit was final and the fraud dispute was resolved. On XXXX XXXX, XXXX, my account was reviewed and closed by Bluebird because Bluebird determined that the {$240.00} disputed charge was valid -- some 3 weeks after it had sustained the disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: DriveTime
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.

Company response to consumer: Closed
Consumer complaint received 2016-12-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.

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 2016-05-24
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.

Company response to consumer: Closed with explanation