BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: TrueAccord Corp.
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: R & B Corporation of Virginia
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me twice leaving two different voicemails from two different numbers : XXXX and XXXX. Once was at XXXX on XX/XX/21 and the other at XXXX on XX/XX/21. They state that they are a credit control corporation claiming to be a debt collector for a debt. I have called them back and ask them about their own company, asking what is the name of the collection company, their company address and a phone number, but they refuse to give me any information without me giving them my full name which I refuse to do until given more information. All my debts that I have are being paid monthly which I can see online for every company I have taken a loan with, my credit card, etc therefore there should be no debt needing to be collected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CREDIGY USA CORP.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was notify by my credit union of the writ of garnishment. They have put a hold on my account and my step-father account too. I do not recall this credit card account. I did not receive either notice of either kind. The debt collector paid the amount owed or make a settlement offer. I repeat I do not recall this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I bought XXXX XXXX tokens of about {$250.00} when the price of the asset was around XXXX. Later during the day, the price of the token went beyond XXXX. I then decided to sell my tokens to take profit. When I tried to sell it, the screen was showing the value of the total asset was around $ XXXX. And when I tried to sell it, it gave me {$250.00}, the same price of which I bought it. The company I used for this transaction is crypto.com and I tried to tell them about this issue but they were adamant that they couldnt do anything and theres nothing they charge of off selling cryptos. It is doing the same thing with other coins on their platform.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In XXXX and XXXX of 2021, I filed a dispute with XXXX and TransUnion credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you

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 2020-10-06
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made multiple attempts made to make principal reduction to my Mr. Cooper mortgage only to have check returned. This started on XX/XX/2020. 
They have charged me over XXXX dollars in interest and still not addressed the issue. 
These checks where sent in with my monthly statement with specific areas of the bill filled out to reflect extra principle payment to be applied. They continually state in the letter returning check that I have not sent certified funds to pay off loan. 
To be clear this was not a payoff it was a payment with a principle reduction added only not the pay off amount. 
I have spoke to at least 5 people with no resolution. 
Mr. Cooper is scamming people please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: MARINER FINANCE, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.

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 2021-06-30
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX at approximately XXXX central I was at a place of business and attempted to use my newly received Chase Sapphire XXXX credit card. I had activated and used the card on XX/XX/XXXX ; 6 total transactions were successfully made within the XXXX XXXX XXXXXXXX area with a cumulative total under $ XXXX compared to my credit limit of $ XXXX. 

When at a place of business I attempted to use my card for a purchase of about {$500.00} and was declined. The issue caused embarrassment with no path to resolution. The card was my only means to pay. I called the Chase XXXX XXXX and was auto routed to a security team that was not available and the call disconnected without my consent. I called back and spoke to a person who transferred me to the same security team that again disconnected my call. On the third call I spoke to a XXXX who advised the security team was not available and there was nothing further he could do ; I would have to call back on XX/XX/XXXX and not be able to complete my transaction with the merchant awaiting payment. 

I had received no text or email warning me my next purchase would be declined. In asking the next day if this was an option I was told it was not ( Chase can send out reactive notices when you are declined, but no proactive warning of when they will next block an authorization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Admin Recovery, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EOS Holdings, Inc.
State: KS
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:
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: ZARVAD III S.A.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EOS Holdings, Inc.
State: VA
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 did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.

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 2015-04-27
Company: Northwest Collectors Inc.
State: IL
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:
NWC reported information to XXXX, XXXX, and XXXX which was known to contain errors. NWC failed to promptly report corrected information to XXXX, XXXX, and XXXX. NWC miscommunicated the dispute with XXXX, XXXX, and XXXX. NWC failed to inform me in writing that it was reporting negative information to XXXX, XXXX, and XXXX within the required time period. After recieving a dispute, NWC failed to investigate and report the results of the investigation to me, XXXX, XXXX, and XXXX. After investigation, NWC failed to MODIFY or DELETE the item with XXXX, XXXX, and XXXX. 

These transgressions decreased my credit score which increased the interest rate I received on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: U.S. Auto Credit Corporation
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: AFNI INC.
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 resulted from identity theft

Complaint:
I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business. 
I truly will appreciate if you help me with this situation. 

sincerely, 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 monetary relief
Consumer complaint received 2016-08-09
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
the origional debtor XXXX never sent me a security deposit back or a itimized list of charges or a bill or anything. After several calls and email attempts to find out where my deposit was or list of charges was I received no response. My deposit was 2 months rent XXXX dollars. A few month later I receive a collection bill from Hunter Warfield for like XXXX dollars. I called them and went asked them for a itimized list of what they were saying I owed the same I did for XXXX. They refused to send me anything. At this point Hunter Warfield was calling me 4 to 5 times per day. I finally had to change my number just so the calls would stop. So being an uniformed consumer and not really knowing anything to do or having the means to pay for help I had to accept the collection on my credit. As of recently I was trying to get approved for a loan and low and behold this collection account was an issue because of a dispute comment on the credit report. I talked with XXXX and they said the data provider, Hunter Warfield had to remove this comment. Nervous about this, I reluctantly called Hunter Warfield to get them to remove the comment. The person I spoke with laughed at me and the proceeded to ask me what I was trying to buy. I was very offended by this. He said that he would not remove the comment, he said even if I paid the collection off he would not remove the comment. Again my request for detailed explanation of the debt in writing was denied. So now I can not get the loan I needed because they would not remove a comment from my credit report that was not accurate and worse of all they started to harass me on my work number now. Which I never gave them permission to call or the number for. The guy I spoke with was completely trying to bully me to pay him money that I can not even get a validation for. I have already talked to several lawyers and I know I have a strong case. I just wanted to try to resolve this before litigation. I orgionally moved out of the rental over 2 years ago

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM WRITING THIS COMPLAINT, AS OCWEN IS DENIED ME ON A HAFA SHORT SALE FOR REASON OF THEIR OWN, CAUSING US FINANCIAL HARDSHIP. WE WERE EXPECTING THE $ XXXX RELOCATION MONEY, THEY DENIED FOR REASONS NOT ON THE DOD FRANK FORM. ANY AGENT HAS REQUESTED THEIR DOCUMENTATION TO SUPPORT THE REASON FOR THE DENIAL. THEY HAVE NOT PROVIDED IT. THEY KEEP ASKING FOR DIFFERENT PAY OFF STATEMENTS FROM THE XXXX MTG OTHER THAN A NORMAL PAY OFF DEMAND.

Company response to consumer: Closed with explanation