BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had a house fire. XX/XX/2017 the insurance company finally sends the undisputed amount. I signed and sent it off to my mortgage company. I 've been reaching out to them for two weeks. I asked that they send a third of the XXXX so me and fianc can start demo disposal and start and complete the roof. Of course we will have help from family and friends that works in this field currently. Being that the undisputed amount is n't near enough to restore my home so we are having family that knows what there doing come in and help us because we have to try and make this money work for repairs until we finish disputing the rest of the funds with insurance company. I advised that I 'm handling this as a owner build and there will be no licensed contractor. They ( the mortgage company ) keeps insisting that I have one and I never signed a contract or a policy in my mortgage stating that I have to have one. Mortgage companies give customers the run around with the insurance money only so they can make interest off the money and make investments with the money being a dis service to their customers. We have been out of our home for four months and was badly damaged with fire. The insurance company not sending XXXX like they should so the longer the mortgage company hold my funds for repairs the longer I have to keep paying rent and my monthly mortgage. It 's causing financial hardship on my family. As long as the house is being restored correctly and is up to code and past all inspections and back to the way it was if not better than it should n't be a problem. Their being bully 's and prolonging the time for me and my family to get back in our home. This house has been in my fianc family for over thirty years so restoring and getting back in our home as quickly as possible is very important to us. I have XXXX and this unnecessary stress from my mortgage company is not needed. I 'm having XXXX ( crisis ) because of the whole situation. The mortgage company is Primary Residential Mortgage XXXX. XXXX XXXX, UtahXXXX XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity fraud

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 2017-04-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i reported to equifax that this information on my credit report is incorrect. I even mailed them proof that the company XXXX stated that they made a mistake and the info should have not been reported to the credit Bureau and that they are willing to delete account from credit. Equlfax refuse to remove the inaccuracies from my credit report. When they have received all proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Coastal Credit, LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They are calling and messaging me over 10x a day by phone and text messages and calling me from their cell phones and calling my friends and family talking about my debt. I have asked them over a month ago to stop calling me at my cell phone and was told they do n't have too..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.

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 2016-06-10
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account with both XXXX and exeter finance company about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: ProCollect, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Capital Accounts, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. 
I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. 
They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: United Student Aid (USA) Funds
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*

Company response to consumer: Closed
Consumer complaint received 2017-02-11
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested validation of the debt LVNV is attempting to collect, on numerous occasions but the company has failed to comply with my requests. Despite failing to comply with the validation clause of the FDCPA, LVNV is continuously reporting the unverified information to the credit bureaus. 

In my most recent attempt to acquire debt validation through the Consumer Financial Protection Bureau, LVNV submitted a " response '' however, the attachment was blank. I did inform the company their response was blank through the CFPB platform, however ; since there was no enforcement they did not resubmit the information. This is my second attempt through the Consumer Financial Protection Bureau and my fourth overall attempt to acquire validation of the debt. 

At this stage failure to provide validation of the debt or to stop attempting to collect on this debt will result in legal action. I am the XXXX and the invalid information you are willfully reporting is hindering my ability to acquire the financing necessary for me to earn a living. The current deal that your invalid information is interfering with will net me {$2100.00} per week. If this information is not validated and you continue to report it to any of the credit bureaus I will seek actual damages of lost earnings, statutory damages for your violations of the FDCPA, and recoupment of any and all legal fees acquired to enforce the law. 

While I am currently not receiving the assistance of an attorney, I assure you I do have the time, the economic means, and the grounds to pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Resurgent Capital Services L.P.
State: TN
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:
I paid these people on an arrangement for an old XXXX XXXX bill last year. They marked the debt as " settled '' on both my XXXX and XXXX credit reports but they left it open as an active collections account on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX hard inquires from Capital One Bank back to back. I only applied once through them. There should n't be XXXX. ( see hard inquiries on report ) Also, I 've tried to file a dispute with XXXX online, however the security questions they ask me end up saying my answers do n't match the information on file and I am unable to get any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: TCF NATIONAL BANK
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car in XXXX in 2010. I financed the vehicle with Gateway One Lending. When I moved to XXXX and reregistered the vehicle there, they transferred the title to the new state, which was their obligation as the lien holder. I moved to XXXX last year, but Gateway did n't move the title this time as the loan was about paid off and XXXX has a title fee that XXXX does n't. When I paid off the car, Gateway informed me that they 'd left the title in XXXX six months prior and I would have to get the title from them, submit for a new XXXX title, and pay the {$75.00} fee, all of which should have been done when they were the lien holders. Now, since they did such an incompetent job of moving the title, I 'm not even sure I can get a clean XXXX title since the state still has Gateway One listed as the lien holder on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: STATE FARM BANK, FSB
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I unloaded the funds from my prepaid visa card to my bank account. They never showed up in my bank account and customer service is refusing to investigate where they went. This is tantamount to theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech Financial LLC has been attempting to collect a debt which has been assigned to my ex-husband upon our divorce. This is listed in our divorce decree ; and I have signed a quit claim deed to the property. I have provided them with all necessary documentation including the divorce documents indicating this debt was the responsibility of my ex-husband. In addition, Ditech was not the original lender and they have not provided information indicating they can even collect on this debt. To clear my name of this, they offered me a settlement of {$4300.00}. I provided all necessary documentation to the agency and agreed to the verbal contract to simply clear my name of the process, however they retracted the offer and asked for {$10000.00} as a settlement even after I provided them with financial information indicating I did not have {$10000.00} to pay them. They have continued to harass me by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-09-15
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I told them this was an accident in my neighbors yard & that neighbors home insurance was supposed to cover this medical bill

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 2017-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
It was discovered I was a victim of predatory lending and given a predatory loan on XX/XX/2007. To date almost 9 years later this has NOT been resolved. In the process it was discovered the mishandling of a loan closing, processing of payments and loan modification process by a Financial Banking Institution .A Financial Institution who is held by Federal and State Laws. Please see attached document for detailed timeline to tell you the what has happened to me since XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Hello, I made a purchase on XXXX XXXX  through XXXX and Capital one charged me a " cash Advances fee ''. This was not right, it was coded as a purchase and through XXXX it should have been resolved between the Vendor and Capital one. But neither of them helped me and i still got stuck with this charge. 

The capital one rep stated that this is not refundable by them. EVEN THOUGH THEY ISSUED THE CHARGE. If they cant refund it who can .... 

Thanks,

Company response to consumer: Closed with monetary relief