BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.

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 2018-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: AFNI INC.
State: NC
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:
AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: AFNI 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 is not mine

Complaint:
I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Resurgent Capital Services L.P.
State: TX
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 checked my credit report and there is a company called XXXX on my report stating I owe them {$1700.00} for what I do n't know. I wrote XXXX and they said to write XXXX, so I asked XXXX to validate the debt, they sent nothing to me. Then I wrote XXXX and asked them to remove the mark from my credit report and they will not, the keep saying XXXX satisfied them that this was my debt, so I in turn asked XXXX to send me the information they have from XXXX, since XXXX will not send me anything. XXXX refused and told me to call XXXX ... ... .I told XXXX I do n't called bottom feeder debt collection agencies and that I had previous sent mail requesting validation XXXX times since XXXX XX/XX/2014 but XXXX is keeping this bad mark on my credit report and will not remove it. Of course XXXX and XXXX are in cahoots to scam money out of hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello I have already filed one complaint and I am disputing it because everyone I speak to say Ditech is being unreasonable. Their excuse for not reporting my last 6 years of house payments is because I did not " reaffirm '' my house and that is a flat out lie. My attorney who did the Bankruptcy provided me with the documentation that 1. my house was excluded from the Bankruptcy and then he provided me the document that the house was " reaffirmed '' in the Bankruptcy court papers. I was also informed back in 2010 when this took place you were NOT required to reaffirm anything after a Bankruptcy was complete. My attorney has asked me to write a letter to each of the credit reporting entities and make them aware of this as well. My letter is written just not typed up and mailed et. PLEASE SEE ATTACHMENT FOR MORE DESCRIPTION AND BACKUP. Thank you and Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 2015-09-29
Company: AFNI INC.
State: WV
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:
PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: MARINER FINANCE, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had 2 loans with a company called XXXX XXXX in XXXX Nc. I paid my loans off. AFTER my loans were paid. XXXX sold the company, ( not my loans the entire company ) to a company by the name of mariner finance. Now mariner finance is reporting to the credit bureaus that I have 3 unpaid loans and I owe them money. After disputing this on my credit report 2 where somewhat fixed but a third still remained. So I disputed it again only to have them remove the 2 paid loans and leave an unpaid loan. I have proof that I paid the first 2 but not to mariner bc I paid it to XXXX XXXX before the company was sold. I have nothing with the name mariner finance on it bc I have never done business with these people. all account numbers were changed after the company was sold. So the account numbers I have do n't match. Furthermore they claim there were 3 loans and I only had 2. How can I provide proof the loan never existed, if it never existed? Upon contacting mariner finance I was told they would settle the loan for {$700.00}. But I do n't owe them money! I feel like they holding me hostage with my personal info they bought from another company. This is not right and these bullies should be stopped.

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 2017-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/2013, my ex-wife asked Capital One to withdrew money from my saving account to pay the mortgage from Capital One. 
It is my saving account and it is not a joint account. 
I did not understand why did the bank follow her instruction without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.

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 2016-05-04
Company: AFNI INC.
State: GA
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 made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. 
Previous application was submitted on XXXX XXXX XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ashwood Financial Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}

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 2016-05-19
Company: Radius Global Solutions LLC
State: OR
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 directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.

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 2016-02-09
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: DataMax Corporation
State: FL
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 have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.

Company response to consumer: Closed with explanation