BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Nationwide Debt Management Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Van Ru Credit Corporation
State: DC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.

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 non-monetary relief
Consumer complaint received 2015-07-13
Company: Comerica
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Finances wired to bank account of XXXX XXXX XXXX Comerica Account. This occurred between XXXX XXXX XXXX XXXX, 2015. The finances stolen were wired by attorney XXXX XXXX a representative for XXXX XXXX XXXX XXXX XXXX, Texas. 

Funds may have been intercepted by an Attorney from XXXX or XXXX XXXX XXXX for a young adult XXXX " XXXX XXXX ". XXXX XXXX is possibly claiming custody over my welfare through fictitious a power of attorney generated by XXXX or XXXX XXXX. I believe these acts have been committed for XXXX XXXX XXXX. who is managing an Probate Estate/Trust for my family which I am beneficiary of. 
The bank has not personally contacted me regarding the disappearance of these finances and has also denied knowledge of this matter. I believe it was an inside job committed by a banker who knows my social and was monitoring my account activity. 
Could you please review this matter promptly because my life is now threatened by XXXX members and XXXX XXXX connected with XXXX XXXX associating me with drugs lords within their rank and file. Controlled Substances are secretly controlled here in the states by members of their Agency. XXXX XXXX and XXXX XXXX are both XXXX. 
Their agency is claiming I am affiliated with XXXX XXXX through the device the XXXX XXXX which resulted in their effort to settle the claim out of court. The finances were wired to me because my social environment is littered with XXXX XXXX XXXX now surrounding me via a XXXX XXXX XXXX. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: COLLECTION BUREAU INCORPORATED
State: ID
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:
Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.

Company response to consumer: Closed
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I HAVE BEEN CONTACTING ALL THREE OF THE CREDIT BUREAUS TO CORRECT MY CREDIT REPORT UNDER MY SOCIAL THEY HAVE ON FILE SINCE XX/XX/XXXX!! NOT ONCE DID I RECEIVE ANYTHING IN THE MAIL IN REGARDS TO MY INVESTIGATION. THIS IS RIDICULOUS I AM TRYING TO PURCHASE A HOME AND FIX INACCURACIES ON MY CREDIT REPORT AND NOTHING HAS BEEN SOLVED. AT THIS POINT I AM DISTRESSED MY THE NEGLIGENCE ON THEIR BEHALF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I request that ERC provides competent evidence that I owe the debt and send me the following information : The amount of the debt Copies of documents that show I agreed to pay the debt The identity of the original creditor Proof that the Statute of Limitations has not expired on this account Proof that you are licensed to collect in my state Your license numbers and registered agent If ERC has unfairly reported this debt to the three major Credit Bureaus, it may constitute fraud. Please validate the debt or remove it from my credit report at all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX XXXX received a notice from XXXX around XXXX XXXX. 

This letter i docT XXXX an amended complaint to add Legal Trust BY US Bank Ntional Assocition Personal Representatives vs XXXX XXXX et al. 

I am the alleged investor where I own these investments as 3rd party beneficiary thorugh my ownership through XXXX, and my barcley shares and through XXXX XXXX XXXX and XXXX. 

What the problem is these investments are unsecured debt and that is supported with my claims with the IRS Criminal Division which are attached dated XXXX XXXX, XXXX. These assets were backdated and never funded the trust and would be subject to 100 % tax penalty and there are multiple servicers. 
That is supported with the XXXX XXXX letter dated XXXX XXXX, XXXX where XXXX is the servicer and another letter from XXXX XXXX dated XXXX XXXX, XXXX from XXXX XXXX where XXXX is the servicer. 

XXXX XXXX did assignment on XXXX/XXXX/XXXX where she backdated the assignment not complaint to the tax code to fund trust XXXX CFR XXXX XXXX REPORTING WHICH IS GOVERNED BY NY LAW AND FORM XXXX FROM ORGINATION OF TRUST TO THE TRANSFERS TO DATE FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL FORM XXXX FILLED XXXX/XXXX/XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX MERS THERE are multiple mortgages on this house unsecured debt and supported by the XXXX XXXX case. 

this matter is being disputed under the fdcpa i need complete history under qwr and diligent inquiry and any forced placed insurance and distued under sox act sec XXXX and other sttures ture act as me being an investor and the trustee indebture act and filling false and misleading states i also must point out i am the expert under rule XXXX and sincece where such assignments are not produced are admission of guilt under XXXX v. Texas. since a fiduary responsibility is required to file such tax forms and you now know these debts are unsecured qnd sending false and misleading information is allegedly mail or wire fraud. I also did receive credit offer from XXXX XXXX which is on file with the CFPB already. The amounts are false and misleading as well and possibly forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Van Ru Credit Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is the third time I 've had to contact CFPB about a student loan that went to collections and I 'm trying to set up a payment plan. Case # XXXX AND XXXX. The last correspondence from Preformant Recovery XXXX XXXX informed me the policy had changed and I could sent the XXXX. This was faxed along with the first page of his letter. That was the first week of XXXX 2016. I than called XXXX XXXX and was able to leave a voice mail for him on XXXX XXXX informing him of the fax sent yet no written correspondence of a payment plan. I 'm trying to repay what I owe, but working with Performant Recovery is challenging. Is it their intent just to garnish wages than actually work with you? I have a file folder of all the correspondence which is over XXXX '' thick where I 've repeatedly sent letters and the required documents without any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Collection Technology Incorporated
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I received a {$2500.00}. loan from the XXXX. In XXXX a garnishment was attached to my XXXX XXXX XXXX paychecks. In XXXX garnishment stopped after {$6800.00} was paid. In XXXX I received another garnishment for the same {$2500.00} loan in excess of {$500.00} per month. I received a letter from CTI stating that I owe {$5900.00} on the same loan. I would have paid approx. {$13000.00}. on a {$2500.00}. I did not receive a release letter from the XXXX ; however, when I asked the XXXX to provide the letter initiating the garnishment, they could not provide XXXX. Due to this garnishment, my credit is ruined and I can barely afford to pay my living expenses. Please 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 2016-06-20
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I tried to cancel an American Express card through their chat service. They requested me to call their services, in order to cancel the card, while I was outside the country and unable too. This action could have been easily done through the chat. The 30 day renovation was going to end the day after, on XX/XX/XXXX. Today in XX/XX/XXXX I called again and after being transferred to several service members and managers I was able to cancel the card. I asked for a refund on the annual fee and they were unable to help me with that as well. They continued to tell me that the only way to get the refund was during the 30 day renovation that had already passed, and I was unable to meet their deadline due to their chat inconvenience. Even after I informed them that it had been their mistake that I had not done this process during the 30 day renovation, they continued denying me the refund. I ended up wasting more than an hour, talking to the manager and got absolutely nowhere. I demand the annual fee to be refunded, because I attempted to cancel within the 30 days through an official channel provided by American Express and the same channel through which I cancelled it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile

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 2016-01-05
Company: Eastpoint Recovery Group, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: IQOR US INC
State: MI
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 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief