BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: Concord Servicing Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving phone calls from XXXX for XXXX a year. I have received as many as XXXX calls a day. I do not owe money to anyone and the person has neglected to say who I owe money to. I have told them to stop calling but they still persist. I have never received any communication as to why I am getting these calls. They even call on the XXXX. I have all call records from my cell phone, which is also registered on the Do Not Call registry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: National Credit Systems,Inc.
State: MA
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:
I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: National Credit Systems,Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank handles the Credit Card for JC Penney. I realized I was getting late fees last year after making 16 payments during the year. I called the credit card and was told that the bank was receiving my payment too early so it did not recognize my payment when it issued my new bill. They did offer me XXXX {$35.00} refunds but could not go back into the account any further. This issue started in XXXX of 2016. I asked if I could talk to a supervisor and was told they could not help me. 
I contacted Department of Banking and Insurance who referred me to you with a Tracking # of XXXX. It seems I can not even speak to Synchrony Bank and do not know how to handle from here. They changed my due date and told me that should remedy the situation.

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 2017-03-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Balance transfer fee

Complaint:
My card ending in XXXX I was approved for a Barclaycard on XX/XX/2017 I was asked if had a transfer 0 % Int. I did, to XXXX XXXX for {$4800.00} XX/XX/2017, Went on line did not see the transfer. 
Used the card on XX/XX/2017 and saw the transaction of {$55.00} to XXXX Still did not see the transfer of {$4800.00} About three weeks after approval I see the transfer of {$4800.00} to XXXX XXXX, XXXX times $ XXXX.= total of {$9600.00} I called after sending 4 emails and no respond. 
Lady said that Indeed looks like an honest mistake/Error. 
Lady on the phone said if I return the {$4800.00}. I will get the transfer fee of {$140.00} back and only pay XXXX transfer fee, since it was an error. 
I made a payment of {$4800.00} to them online. the XX/XX/XXXX I called today to make sure I get back my fee back on the error transfer. 
Another person on the phone said I will not get any fees back. 
I want my {$140.00} back for the error transfer that it was made.

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 2018-05-27
Company: EQUIFAX, INC.
State: PA
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:
Hello. I had a credit card debt with XXXX XXXX XXXX and they sold it to other collector. I contacted with that collecter and paid my debt. But It is still showing negative information on my credit report. Balance is {$0.00}. But it shows as bad debt. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Acceptance Solutions Group, INC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a installment loan with the understanding that I would pay it back early to avoid the ridiculous interest payments which in total would be 3 times the amount borrowed. I tried contacting the company on several occasions but was unable to reach someone. one person who calls himself a supervisor spoke with me and I was told I could not pay loan off early. This company is a total ripoff and there is no way I would have taken the loan with the intention o repaying 3 times the amount borrowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Como Law Firm P.A.
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 was paid

Complaint:
XXXX XXXX from Como Law Firm called me today regarding a debt that I do not owe. He would not answer any questions about the debt and became angry and extremely rude when I said I would not make any type of a payment to him without understanding what it is he says I owe. I informed him that I have saved email communication from the apartment manager that he is claiming I owe this debt to in which the manager is telling me there was a glitch in their system and I OWE NOTHING but he would not accept the information. I asked him exactly what the debt was for and he could not answer that question. I then asked for an itemized list of what the debt is for and he said " Did you not just hear me, XXXX? I do n't have it. '' and he hung up on me. I pay my bills and have excellent credit and do not want to pay a debt that I not only do not owe, but do not know what is for. XXXX XXXX spoke to me in a degrading, rude manner and I do not deserve this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got scammed by a guy named XXXX XXXX using Paypal. I wanted to buy some product from him and sent him a payment of {$130.00} on XXXX XXXX 2017to his Paypal account, XXXXXXXXXXXX. But he never sent the product that I payed for. So I contacted Paypal immediately on XXXX and tried to cancel my payment on Paypal but they did n't allow me to get a refund.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.

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 2016-08-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The following is in reference to a new complaint. The previous one was completed. This is in reference to property located on : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This loan has been discharged in bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/2015. The account is closed. It needs to be updated as " cease & desist ''. I have requested a " release of mortgage " to Shellpoint Mortgage and have been unable to resolve this. I would like to purchase a home in the near future, and this is affecting me. I would greatly appreciate your assistance with this matter. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have struggled throughout the entire life of my mortgage. I borrowed from XXXX, and other investments to help with moving costs, and other home owner expenses through out the years for this mortgage that I qualified for somehow. I bought the house in XX/XX/XXXX/XX/XX/XXXX timeframe. I got XXXX XXXX in XX/XX/XXXX, thankfully no signs of it returning and grateful for that. Had to work a lot of overtime after company reorgs and downsizing after the financial meltdown economic disaster. I had to use XXXX in XXXX and XXXX for XXXX XXXX issues. Got fired in XXXX XXXX and just started fulltime employment 3 months ago which is good and I am very thankful for. But it took a while to find a job so I had to apply for state aid after unemployment ran out, I move out of the house. My kids moved to their dads. My mortgage originated with XXXX ( FHA XXXX ), then, XXXX XXXX XXXX, and after that XXXX, XXXX, possible others ( XXXX XXXX ), have had it. For over a year now, I have been in constant struggle to avoid foreclosure with the XXXX Co. I 've had offers on the house because it has been listed almost a year now, but have hard time reaching them, or I need to refill forms out, etc. Another financial hardship I 'm working on is my taxes. I 'm in the process of paying tax attorney company to represent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, XXXX ( original creditor ) and JH Capital ( or JH Portfolio Debt Equities ; collection agency ). 
I currently have a {$6400.00} collection from JH Capital ( aka JH Portfolio Debt Equities ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the JH Capital tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and JH Capital to stop reporting this tradeline. I am also writing to require JH Capital to immediately stop reporting this tradeline.

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 2015-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect funds from me I do not owe I have no idea who and why this company has put this information in my credit report this company has never contacted me nor have I ever has an account with them they have no right to put this account in my credit report. 

This company is a fraud and the account must be removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My debt is with XXXX, before canceling my policy because i bought a new car i called geico and informed them if i transfer over my current plant to the new vehicle till the contract termination ( one month after ) will i be charged more than my normal rate, representative clearly stated you will not unless you continue to be with us for a new policy for my new car, sweet ... but now collections is harrassing me for roughly {$630.00} which would have been my new payment if i styed with geico. I do not understand this one bit it is not right to ruin peoples lives like this for their own mistake i would have cancelled before buying my new car if they had told me i will be charged a new premium for the one month i had left oh and that month was pid for 4 days before my new purchase.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. 

In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. 

I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.

Company response to consumer: Closed with monetary relief