BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-15
Company: ENCORE CAPITAL GROUP INC.
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:
After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Issue: Other

Complaint:
I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.

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 2016-09-30
Company: Diversified Consultants, Inc.
State: NC
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 been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good morning, I am filing a third complaint in regards to my online banking I had with chime. I ran into a issue with chime during sometime around XX/XX/2020. The issue that I came across was my account being closed due to not being in compliance with the policy! I was very confused but was willing to take any additional steps to retrieve my account and also my balance so I have been in compliance with them! I have sent over legal documentation from 1099-C forms, documentation from the state of Illinois stating I received my benefits rightfully, personal statements and much more info asked of me from Chime but I was still found to not have sent over enough sufficient information an have been refused the right to receive my refund back! I am very upset and its highly disappointing to trust a banking system them have your money stolen right from you by a company you thought you can trust! I am still being told to get in contact with the originator who deposited the funds to my account during the time it was opened ( which I have multiple times ) but I was informed it would be up to chime bank to release my funds. I unsure as to why I cant retrieve my refund when its rightfully my money and have given more than a sufficient amount of information to prove so!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CCS Financial Services, Inc.
State: DC
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:
I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX  is reporting its tradeline, as if it were not paid. and after Charge off. The status of these tradelines were changed and, as the result of my last dispute and are in fact inaccurate, adding to the incomplete status of this tradeline. 

XXXX The XXXX Date is inaccurate. 
There was no XXXX Date, until updates occurred in XX/XX/XXXX Now the Date is inaccurate The Payment History puts the XXXX XXXX date as XX/XX/XXXX The Balance/Rating History is Incomplete The Status was Paid, Closed. {$290.00} written off to Account charged off. {$290.00} written off The Account was paid off to XXXX and in XXXX of XXXX It was half reported before my last dispute now, its been changed to a value that reflects it was not I believe it should say Paid after Charge off? 

Transunion Maximum delinquency for the month of XX/XX/XXXX is inaccurate and payment for {$290.00} is not displayed in my payment/balance history for this tradeline which violates XXXXMetro2 guidelines

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 2016-12-08
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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:
the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXXXXX**** This is not mine.
6. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-08-02
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX formerly known as XXXX XXXX. There are a number of collection unvalidated accounts from Peter Roberts and Associate 's that I have no knowledge of. These unvalidated accounts are hurting my life financially. I need this items removed immediately because there has been no proper validation pursuant 15 U.S.C 1692g. These accounts are a violation my consumer rights and need to be deleted immediately from my consumer credit reports. These accounts are also violating 15 U.S.C 1692e False or misleading representation. Please remove these accounts ASAP or I will gladly pursue litigation and exercise my rights pursuant to Title 15 Sec 41 under the Consumer protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My citi account was flagged for closure around XXXX because one of the transfers from another one of my checking accounts ( from XXXX ) didn't go through successfully had to be reversed. I was told I would receive a check in the mail with the remaining funds ( {$22000.00} ) in the account ( funds that I deposited from other accounts of my own ). I couldn't transfer these funds out of the account because it was locked. It's been 6 month 's now and I never received a check. 

One customer service representative also suggested opening a Citi account so I could transfer the funds from the locked/closed account into it because I wasn't getting a check. After I opened a new account and called back, another representative said that I actually couldn't do this and to wait for the check to come again in two months time. 

I've called Citi 10+ times now throughout the course of these 6 months and today ( XX/XX/2021 ) after calling again because I still haven't received a check, they told me that the account was closed and that I don't have any funds that will be sent to me - essentially telling me that they're not going to give me the {$22000.00} back. They have also seemed to closed down my online access to any Citi accounts that I have recently, which is lovely of them too do so.

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 2016-10-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX items were erroneously entered on all there credit reporting agencies. All XXXX issues were disputed at the same time with each reporting agency. Upon investigations by XXXX and XXXX all XXXX entries were removed in their entirety. XXXX has failed and refused to correct the same issues. Moreover, they have failed to respond in any way regarding these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: CA
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:
Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

Company response to consumer: Closed with explanation