BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Ad Astra Recovery Services Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was stricken with XXXX XX/XX/XXXX as a provider seeing patients. I began forbearance with XXXXXXXX XXXX XXXXXX/XX/XXXX i attempted during forbearance to continue to pay partial mortgage payments to them in the amount XXXX until XXXX to sick to continue work and pay. I completed the forbearance went into modification XX/XX/XXXX the terms was sign during and after the XXXX XXXX payment of XXXX the loan was transferred to PHH mortgage during this time the escrow amount was wrong did not include home taxes and insurance in which before my illness was included. I told PHH in XXXX when loan was transferred it was wrong after spoke to many agents at PHH no one listen until XXXX during this time i was asked to continue paying XXXX trail payment in which i did. There were 5 total payed to PHH. No one at PHH can tell me where the suspense payment went to until 1 week ago PHH stated the funds went toward the mortgage payments while I was in forbearance and the recent payment went toward monthly mortgage payment while in modification. A new monthly mortgage payment of XXXX state not written by the servicer stated starts XX/XX/XXXX still I have not received a breakdown of all payment made where they went. They are asking for a 6 trail payment for XX/XX/XXXX in which I was told by me calling of another XXXX plus new payment of XXXX mortgage XX/XX/XXXX payment and if I do not pay they will keep the monies payed a put the home in foreclosure. I have contact the Texas Mortgage Consumer Affairs ' put in a complaint with XXXX now your agency. PHH has threated several times with door hanger notices that they will foreclose my property I have never been late on my mortgage before my illness even during my illness I attempted to pay. I need help please. They want me to continue to pay without letting me know where my money is going. Before illness I owed XXXX. PHH is stating I owe XXXX more. When speaking with PHH they blame XXXX its not my fault the loan was sold incorrectly but I have to pay the penalty. A check for XXXX for XXXX payment was sent via USPS regestered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter letter from Kohls in late XXXX stating my account was passed due. I called XX/XX/XXXX and the automated system using my social security number stated I had a XXXX balance. I then preceded to select the option for customer service to figure out what was going on with the letter. I was told that " yes, you have a XXXX balance and please ignore the letter as it was sent out by mistake. '' I recieved another letter in XXXX that I did ignore based on my conversation with that Kohls ' representative. I then recieved a letter at the end of XXXX stating my account had been suspended, I called XX/XX/XXXX and again was told by the automated system I had a XXXX balance. I proceded to customer service again, where I was told again I had a XXXX balance. I continued to press the seriousness of the situation and that's when the representative " found '' another account under my social security number. He then gave me two phone numbers to call because he could not help me. I called the first number ( XXXX ) XXXX and it was " no longer in service '' then I called the other number ( XXXX ) XXXX and was sent directly back to the same recording for the original number I called ( XXXX ) XXXX, I chose customer service again and asked for a supervisor but before that I had to explain the situation yet again. This time though he found the second account in a few minutes and also stated I had been sent to collections and I could not pay off the " 2nd account '' so it didn't continue to report to the credit beauro, He again gave me the ( XXXX ) XXXX phone number and told me to wait for the " collections option. '' I called this number back and there was NOT a collections option, so I again chose customer service and immediatly asked for a supervisor, Again I had to explain the situation ( for the 3rd time ), and was told the " whole collections system was down '' and to call back Monday. I was also told that both my accounts would be deleted from Kohls but it wouldn't help with the collections agency or being reported to the credit beauros. I check my score because I was looking to purchase a vehicle and it dropped XXXX points. Kohls needs to be held accountable and have this infomation REMOVED from all 3 credit beauros immediatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX XXXX XXXX, my personal bank, informed me that my account number with Comenity Bank ( Express ) had changed. I reached out to Express for details surrounding the change that same day and have been getting the runaround ever since. I have spoken to supervisors at Comenity Bank 4 times and each of those four times, been given different information. The first time I was told that the account had switched to a 16 digit format, and a new card was ordered. Comenity was unwilling to explain how XXXX notified me of the change before they did at this point. At this point I opened a case with the Better Business Bureau ( XX/XX/XXXX ), which went ignored by Comenity Bank. When the new card came, it came with a 9 digit account number. I called Comenity back and was told, that the account number should not have changed to a 16-digit number. Comenity was still unwilling to explain how PNC notified me of an account number change, specifically since my account number should never have changed. Then, on XX/XX/XXXX I received yet another new card, with yet another 9 digit account number. This time when I called Comenity to find out what was happening, I was told that the account should in fact be 16 digits long, and that they had no idea how or why I kept getting 9-digit cards. The supervisor at this point told me that I was notified of the change on the statements that I had been receiving. However, Comenity did not cut any statements for me since XXXX, since I keep a XXXX balance and have not used the account since then. Finally, I received a call from Comenity, also on XX/XX/XXXX, from what I believe to be the Complaint Management Teams, because I have made so many complaints to Express about the issue since the beginning. The final person that I spoke to, told me that a 9-digit account number was in fact correct and that she would be working to get to the bottom of all the differing information I have received to this point. This is not acceptable, how can consumers trust in Comenity if they can not even answer simple questions or keep things straight. How was PNC notified of the change before I was? Why was I given different answers from each person I spoke to? What should my account number be? Is there a way to close out the account- which is my oldest credit line- without it negatively impacting my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I agreed via a phone conversation with XXXX to a loan modification to bring my account current and adjust monthly payments. The agreement called for three monthly payments of {$1200.00}. beginning in XX/XX/XXXX. The first two payments were made on time as agreed, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we received two certified notices of default with intent to accelerate dated XX/XX/XXXX. We also received three notices stating that the loan modification was no longer available and to contact the company for information about other " foreclosure alternatives. '' The company 's hours are Monday through Thursday, XXXX to XXXX and Friday, XXXX to XXXX. Since it was after XXXX when we received the certified letter, we had to wait until Monday to call. We spoke with XXXX, ID XXXX, who told us that we now had to talk with a " single point of contact, '' XXXX XXXX, at XXXX. We called him Monday morning. On Tuesday evening, after not receiving a return call, I called a second time. Once again, I got voicemail. I mentioned that we planned to work with a debt management company, and so I needed to know what our monthly payment would be moving forward. Very shortly, XXXX XXXX returned my call. Unfortunately, I was unable to answer. He asked me to return his call to XXXX, which is an outright scam. I called him a third time and once again left a message. I called the main number, XXXX, and was told that our point of contact is not XXXX XXXX but instead XXXX XXXX at XXXX. I have left two messages with her with no response. Please see the " additional comments '' section of the XX/XX/XXXX and XX/XX/XXXX statements regarding this modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX  on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove XXXX  owe this debt. Company is called XXXX XXXX XXXX in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: SC
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:
There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX, XXXX ( approximately XXXX via telephone ) : I initiated a balance transfer to my XXXX XXXX card in the amount of {$5000.00}. I did this in response to the attached emailed ( sent XX/XX/XXXX, XXXX ). The balance transfer promotion was for 0 % interest for 12 months and 0 % balance transfer fee. The email stated, We will apply minimum payments at our discretion. XX/XX/XXXX, XXXX ( XXXX via telephone ) : I received an email from XXXX XXXX XXXX XXXX that XXXX had reported my account at 30 days delinquent. Subsequently, my credit score dropped precipitously. I contacted XXXX  card services and explained the following : 1 ) I am a full member ( i.e. multiple loan and deposit accounts ) that has never missed a payment.
2 ) I am enrolled in electronic statements and never received any notice in my email or via the mobile app ( which, in addition to being heavily promoted as a user interface by XXXX, is my primary user interface ).
3 ) At no time during the XX/XX/XXXXXXXX call was I told there would be a discretionary minimum payment applied to my balance transfer.
4 ) I have made every loan payment to them on time.
In response, the customer service representative ( who was quite understanding and professional ) explained to me : 1 ) A discretionary minimum balance was applied to my account.
2 ) I was sent statements via the US Postal Service.
3 ) Signing up for electronic statements applies to other XXXX accounts ; however, XXXX accounts require a separate enrollment ( this was never disclosed via my phone calls or use of the mobile platform ).
4 ) In sending those statements they legally had the right to charge me late payments and report me to the credit bureaus 5 ) I was told to call back after XXXX and speak with the Loss Management Department XX/XX/XXXX, XXXX ( XXXX via telephone ) : I spoke with Loss Management and was told : 1 ) I was speaking with the wrong department ; I need to email or write a letter to XXXX 
2 ) They legal have to report any account past due over 30 days.
My complaint is as follows : 1 ) Applying discretionary minimums ( while in the fine print ), is misleading and deceptive, especially when at the time of the balance transfer no mention of one was made.
2 ) When enrolling in electronic statements, but not being informed that XXXX products are excluded and require a separate enrollment is deceptive and misleading. Ultimately leading to a less than full communication of the members financial position with the credit union. 3 ) Being encouraged through advertisement to use the mobile platform, but not being given complete functionality is misleading. I check the mobile app constantly and was never made aware of missed XXXX payments.
4 ) XXXX is intentionally hiding behind fine print to provide the bare minimum service as provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Prizm Financial Company, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( PORTFOLIO RC XXXX, PORTFOLIO RC XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call stating the are " independent courier '' that are sending a uniformed officer to my house today. Call me and my family all the time. They never send anyone but they threaten all the time

Company response to consumer: Closed with explanation