BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was robbed at the beginning of XXXX and my card holder and phone was stolen. My Driver License was stolen along with my XXXX XXXX  card, my XXXX  card and my capital one venture card. I had to replace all of these things. XXXX XXXX and XXXX have already my the necessary adjustments and closed out the fraud claims. Capital one adjusted my account and then rebilled my account. When I called to get this clear I was transferred 5 times. I was connected to a supervisor who hung up on me. Then when I spoke to supervisor who couldnt provide a reason why the charges were added back and I asked for their supervisor they said nothing else could be done and they would say the same thing then I was disconnected. They also stated that when the claim was put it that it was not added that the card was stolen and not in my possession even though I informed them of this. This information was stated to be by two representatives. They messed up on their end and not wanting to own it and simply do the right thing and correct it. I informed then as soon as I noticed it and also I DID NOT HAVE THE CARD IN MY POSSESSION. I did not make any purchases nor did i authorize anyone to because I did not have the card or was aware of what was a happening. I went through a traumatic event and then to be treated this way when they were made aware is extremely stressful. The card was not in my possession. The fraud charges were XXXX for {$15000.00}, XXXX {$700.00}, correct {$1500.00} XXXX {$140.00}. I have never been to or shopped at any of these places. I dont purchase anything for {$15000.00} and I can produce bank statements to show that. I have never spent that with any purchase on the capital one account. Their security system/team failed and now they are trying to punish me. I pay my balance in full all the time since I have had this card. One payment was {$11000.00} and another {$2100.00} payment. These fraud charges need to be removed as Im protected by law because I did not make the charges and I have no idea at all who did. I was robbed and someone committed fraud with my account information and as a result my account was closed and trying to make me responsible is just negligent and completely vile.I am willing to reach out to media outlets or whatever is necessary. Any other business bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX Bank, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX, ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXXy XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-05-17
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we had an insurance loss in  XXXX     2017 -- t he loss was over  30000 - - the process with  Selene Finance  to get the funds released from the insurance company have been a NIGHTMARE!! They keep changing their process, tell us to d o one thing an d then change it and its holding u p our contractor fro m being paid -- the banks inspector cleared the 100 % completion  3  weeks ago -- we have sent in every piece of paper and the checks and the last issue was the la st straw - - we called and ASKED about sending the depreciation check endorsed or not as I was reluctant to send an endorsed check thru the mail to them -- we were told to NOT endorse it -- and today we got a call that they had to send back for endorsement -- NONE of the checks have been released from them and this is seriously holding up payment for reimbursement to us and ou r contractor fo r completed repairs -- if my complaint should not be to CFPB then please advise to whom -- this is outrageous behavior and process on their part we pay for insurance to be used to take care of repairs and insurance company released funds " weeks '' ago ( over a month a nd 1/2 ) and  we are not seeing any funds paid out because they are holding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing offer no support toward identity theft victims. 
I was informed by XXXX Bank that my premier checking account was compromised, several payments that came during the process were returned as NSF, which included Ocwen Mortgage. XXXX took no time to rectify the issue, however even with letters from XXXX of the identity theft, Ocwen reported me to the credit bureau as late.they refused to honor or acknowledge that my account was compromised, The argument by Ocwen representative is " this has nothing to do with Ocwen '' keep in mind that XXXX Bank did process payment to everyone that had a payment returned. Ocwen refused to acknowledge ID theft and/or work with customers through situations such as this. They are the worst Mortgage Loan Servicing Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
-AmeriHome Mortgage Company handles a mortgage for my rental property -A balance was owed on my homeowner insurance 's insurance, provided by XXXX XXXX XXXX This was to be paid out of my mortgage escrow. This payment was due in early XXXX -AmeriHome did not pay this balance despite 5 plus calls from myself ( early XXXX through XXXX ), uploading my policy to their site, and providing them an address to pay this balance - Each time I spoke with them, they promised the payment would be overnighted -I received an email from XXXX XXXX on XX/XX/XXXX stating the balance still had not been paid and my policy would be cancelled XX/XX/XXXX if it was not paid -I called AmeriHome and had to use 2 cellular phones on speaker mode to connect a representative from AmeriHome to a representative from XXXX XXXX -I ultimately had to pay the balance ( approximately {$1500.00} ) out of my own pocket because AmeriHome could/would not make the payment in time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra could not confirm the debt was mine and removed it from my XXXX  credit report. It remains on my XXXX  and XXXX  reports. This is illegal reporting practice and I will be filing a formal complaint in court within 30 days of this complaint if it is not removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXXXXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served on XX/XX/19 for an account I was unaware was in collections. I had moved and filed a change of address in XXXX. I told the gentleman that served me that I had filed a change of address and they had been sending the notices to the wrong address. XXXX XXXX claims they did not get notice of change of address unitl XX/XX/19, however, my insurance company had gotten notice back in XXXX. 

A few days after I received the summons I received a statement in the mail at the correct address. 

I called XXXX XXXX to try and set up payment arrangements and did so. Thinking the court case would be dismissed. I called back to ask if I could get it in writing that it was dismissed and she said they would not dismiss it. They would get the judgment and as long as I was making the payments as agreed upon there would be no garnishment of my wages. I asked for her to put that in writing. She stated that it was company policy that they do not put anything in writing. 

I told her that I had filed for a hearing and she stated that the payment arrangement would be void and they would garnish my wages if I continued with my hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Letters have been sent twice in the past the most recent letter was on XX/XX/XXXX, requesting that information be removed from my credit it was removed on XX/XX/XXXX and reinstated on XX/XX/XXXX, I never received a 5 day reinstatement letter as required by law. At this time I would like to request a final removal of this derogatory mark because before I file a law suit with small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: LA
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:
XXXX, XXXX, Equifax has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-04-19
Company: EQUIFAX, 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:
Since I have not attended college since 1995 both XXXX Equifax XXXX and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was supposed to get my card within 7 to 10 business days, I havent received it yet. I talked to customer service ( Automated ) couldnt even talk to a real person and they said it was shipped on the XX/XX/XXXX. I logged in on my app and it says it was shipped on the XXXX. I havent heard from them that there was a delay, problem or anything like that, I still havent received my card to this day. I really needed that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled internet with XXXX XXXX XXXX. I informed the company that the modem they provided was broken and I purchased my own modem vs. getting another one from them. The company stated I didn't need to return the modem. Then a few weeks later I get a bill for their modem. I contacted XXXX XXXX XXXX and the representative stated they needed it back. XXXX XXXX XXXX provided me with a XXXX label to return the equipment, which I did sometime between XX/XX/XXXX - XX/XX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they wanted {$170.00} for the unreturned equipment. Called XXXX XXXX XXXX on XX/XX/XXXX and advised the equipment was returned. XXXX XXXX XXXX ( XXXX - Emp ID # XXXX ) stated the account would be credited within 24 hours. The next letter I received was from a credit collections company. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX, emp ID # XXXX, and provided the reference number on the customer copy of the XXXX slip they provided. I received a call from the collections company on XX/XX/XXXX & XX/XX/XXXX stating XXXX XXXX XXXX says we still owe for unreturned equipment. I contacted XXXX on XX/XX/XXXX to get the tracking number, however they said only XXXX XXXX XXXX has the tracking number since they provided the Air Bill label for shipping. I cancelled my service with XXXX XXXX XXXX after 4 months of phone calls and constant follow ups to get {$300.00} credited to my account that they owed. After the credit finally went through and I used up the credit, I cancelled because of the bad service and the number of hours spent on the phone with them. This is the same kind of situation. They promise one thing and don't do it. I've spent multiple hours on the phone with them and I'm simply exhausted. Any help would be appreciated.

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 2017-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There is an outstanding debt of XXXX owed to Midland Funding LLC. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to Midland to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

Midland has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( XXXX, XXXX ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to XXXX regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is  currently close and this can put my credit in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: RIA FINANCIAL
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sent through the RIA financial services branch located in XXXX XXXX Ca. with the amount of {$780.00}, cahrges/taxes {$39.00}, TOTAL {$810.00} on XX/XX/2017 but the transaction was n't done and was canceled on XX/XX/2017 and when I go to that branch location, the agent there does't give me my money back because she has n't received the order from her manager or supervisor. Then when I call to check if my money is ready to pick up, the agent is telling me that until she gets the confirmation or approval, she will call me but the time period of 10 days in overdue with no answer from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act ENHANCED RECOVERY CO L. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This is my XXXXrd time trying to get this debt removed from my credit report. 
On XXXX XXXX. Enhanced Recovery CO L was removed from my XXXX  report without it being also removed from my XXXX Report. 
Attached is an Identity Theft FTC Report and well as your removal from XXXX. 
Please remove this from my XXXXXXXX Report Immediately.

Company response to consumer: Closed with explanation