BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: Caneel Capital, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.

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 2015-03-19
Company: Northeast Collection Bureau
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX Received an email ( 1st contact ) at my place of employment from Direct Recovery Services ( XXXX almost 12 yrs now ) - I had a ChXXXX Bankruptcy cleared in XX/XX/XXXX. I have never heard of this company nor the named " original creditor '' ( XXXX ) - nor have I ever received any previous emails, voice mails nor USPS mailed letters to the effect. They ( DRS ) have used an address in the header which I have not resided, for over 8 yrs ( I have moved 3 times since, but cell phone number has not changed in over 10 yrs, and mail continuously forwarded via USPS ). This supposed debt has not been on any copy of my credit report that I can recall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Dealer Funding, LLC
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-29
Company: IMC Capital, LLC
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Received a suspicious letter in the mail offering credit to my personally owned XXXX. Letter contains a " card '' with numbers, my name, a misspelling of my company 's name and says call to activate. The card lacks any emblem for XXXX, XXXX, or other processing companies and is offering {$150000.00} in credit at 0 % for 90 days. I immediately recognized it as a scam and am now reporting it.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: ACS Education Services
State: AZ
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:
Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX never sent a bill/invoice. On XX/XX/XXXX they sent a statement saying they have sent 3 invoices and I have until XX/XX/XXXX to respond. I called them, they did n't answer, I left a voicemail. XX/XX/XXXX Summit collection agency called my home letting me know I owe the {$83.00}. plus the collection fee of {$50.00}.

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 2017-03-29
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
we have been dealing with arvest bank on a dispute since XX/XX/2016 we won the dispute and they were to send us a check for the funds returned we have been chasing this check since XX/XX/2016 we have made numerous calls trying to get our check we have been told several different stories each time we call we have been told they sent the check it was returned so they sent it to a different address and returned again then they said they were sending it again still no check then we have also been told it was signed for and deposited into an account but they wont tell us any info on who signed for it or where it was deposited then they say we will send your check you should have it this week then back to it was deposited this is a business account so it would have to go into a business account but they wont tell us where it was deposited they are giving us a run around and keeping our money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2017, a Chase Bank branch refused to open a savings account in my name unless I provided detailed information about my personal investment accounts. I provided the name of my investment company which is among the largest in the US, but decline to provide information about the value of those assets. Chase said federal law required me to provide the information in order for the account to be opened. On XXXX XXXX, 2017 the Chase customer service line confirmed by telephone that the branch was correct in its refusal to open the account. ( I have another account at the branch with a significant balance. It has been there for several years. ) I was able to open the savings account at another bank the same day without having to disclose private financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After closing a Bank of America CD and transferring remainder of funds to my Bank of America checking account, I used a significant amount of the balance to pay off my student loans. The bank official taking my call was aware I planned to withdraw a significant amount of money, and at no time was I advised of any fees that would be charged to me when my account went below a certain threshold. When, after seven months, I checked the balance of my account ( I also have a credit card with Bank of America with an airline, for which I pay a yearly fee but do not use on a monthly basis ), I discovered {$170.00} dollars ( $ XXXX/ month ) had been taken from my account for " maintenance fees '' because my account balance had gone below a threhold of {$10000.00}. B of A rep XXXX in Montana, followed by his supervisor XXXX in Montana, decined to refund anything but {$25.00} in fees. XXXX stated no one at the bank would refund any more than that because I had agreed to receive electronic statements and they had no obligation to inform me of excess fees other than when I first signed up for the account over ten years ago. I have no recollection of being told I had to maintain a {$10000.00} balance, nor do I recall being given any options for a no fee account. I plan to close my account immediately.

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 2015-05-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am opening up a second complaint against Chase because they corrected an error with an error. I have called, faxed and sent, via, USPS my dispute with no resolution. Attached is the communication I sent Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Transunion when I noticed a XXXX account added to my credit file. Transunion has failed to provide me with any information bearing my signature and has yet to give me anything information proving that this account is mine. You

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 2017-04-09
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: American Credit Acceptance, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account was charge off due to a divorce my ex- wife voluntary returned the car. They told her the Charge was 8k now it showing XXXX on my credit report. I want this item removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IN
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$3000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IN
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$3000.00} / XX/XX/2022

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 2017-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I continue to get a recurring credit card charge every month for an original cash advance I took out years ago. I called Capital one and am told that the charge is perpetual until the balance is paid off. Note that this is not for additional advances rather a single advance in which I am charged twice each month, resulting in my balance never reducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )

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 2017-01-18
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being sued by a towing company i have a rental space with. The amount of money is not correct, I have repeatedly attempted to contact this firm to resolve and no response received. I did file an answer with in the allotted time frame and have since been receiving letters from this attorney to contact them. When i do try to contact again un answered. They then file judgement summerys to place a judgement with a trial becuase they did not hear from me. This is very frustrating. Please hep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX card issued me a credit line through comenity bank, they gave me a credit line of {$1000.00}, i go to XXXX SITE and shop on their easy payment plan iyems, ive been doing my monthly payments not until i noticed that my monthly dues doubled, when i reviewed my account i found out that they raised my credit to {$2000.00}. after i found out i immediately closed the account and contacted comenity bank and asked if they could lower my APR, but instead they gave me a generic response. i still make monthly payments but i can only afford half of the amount. i never asked for credit limit, i think what they did was fraud, i own a few credit cards and its always me who ask for a credit limit., but comenity took advanatage of me, i was a good payer and not until i ca n't keep up my monthly dues, i reach out to them twice but they i always get a generic answer and they are not willing to help when it comes to lowering APR and late fees, even though i make monthly payments but since im not paying the minimum bal. they charge me for late fees and apr. they have been harassing me, calling me everyday under : unknown '' caller. i want to resolve, but im only willing to pay the amount i owed with low APR.

Company response to consumer: Closed with explanation