BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Professional Debt Management / XXXX XXXX XXXX is reporting a debt to the XXXX credit bureaus that is not owed. When XXXX was requested, they sent me a copy of the original lease agreement with XXXX XXXX with no proof/documentation of any outstanding money owed. The lot lease with home purchase sent as XXXX pre-dates bankruptcy discharged XXXX, in which XXXX XXXX and all affiliates of the XXXX are listed as creditors. Notice of delinquent rent in XX/XX/XXXX does not exceed {$420.00} - and was " pay or vacate '' ( property was vacated ) with mobile home returned to possession of the park. The park filed a delinquent tenant case that was dismissed in XXXX Judicial Circuit Court, XXXX, FL, on XXXX. The amount Professional Debt Mgmt. is reporting and attempting to collect is {$3400.00}. Despite providing them with bankruptcy case information, collection and release from claim letters from XXXX XXXX, and copy of court documents, they continue to refresh ( and change first report date ) on my credit reports and claim the debt as valid. Creditor is not entitled to collect on any portion of the home purchase balance discharged in the bankruptcy. Lot rent owed ended with the surrender of possession of the lot and collateral on XX/XX/XXXX, per the creditors terms in the letter I received - copy provided to the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Found out I missed a bill with XXXX XXXXXXXX. I never received a bill from this place and I told rep I would pay with company and when I tried to call back representative said could t assist me without giving all my information to representative. I have rights and if the bill is placed on my credit I will get a subpoena for everyone I spoke with on XXXX and sue EVERY individual I spoke with and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2016-03-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.

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 2016-04-19
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This customer complaint is related to trip cancellation/interruption claim with Chase XXXX XXXX XXXX I filed a benefit claim number " XXXX '' on XX/XX/2023 on XXXX. The benefit examiner claim that sufficient information were provided for the return flight and asked for support from XXXX XXXX for the departure flight. I promptly called back and explained such document was not available after I contacted the airline. The customer service representative documented such and asked the examiner to decide on the return trip claim as well as reaching out to XXXX XXXX for additional document if needed. The examiners has not done anything on such for only four weeks, despite that the response period for such is one week. 
I called back weekly for follow up ( all documented via customer services ) with no responses. The customer representative tried to contact the examiner to speak to me but no one pick up the phone. One representative left an escalation note to the examiner 's supervisor, under which the supervisor was expected to call me back in two business days. Nobody called back. 
ChaseXXXX clearly has not properly monitor the vendor 's performance related to trip cancellation processing related to Service level agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: Linear Title & Closing, Ltd
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.

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 2017-04-26
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: Public record information inaccurate

Complaint:
To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX I was notified that someone had compromised my account totaling about {$150.00} on 2 separate transactions. capital One called me and I was asked if these were my charges and I said no. 
My Social Security check had gone into my account via direct deposit around this time. Capital One has placed a hold on all my funds until XX/XX/XXXX. 
I have call numerous times and been on the phone with them for as much an hour and one half per phone call. 
I am on a limited income and need my money for my personal livelihood. 
Although the people at Capital One are sympathetic to my issue, they say their hands are tied. 
Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an open account shown on my credit report that is categorized as " family support ''. The lender is listed as New York State. This information is extremely outdated. That account has been paid in full as well as closed for several years. I feel it may be impacting my score and respectfully ask for your assistance in removing it. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Ad Astra Recovery Services Inc
State: FL
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:
I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Penn Credit Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com 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 2023-08-16
Company: JP Jensen Collections, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive received a phone number from No caller ID and a male informed me that he was trying to deliver a court order and I asked and he gave me the information of the office that is attempting to collect the debut, I called the company and I explain that I wasnt living in the address or apartment that he is saying that Ive used that credit card ( XXXX ) I have moved since XXXX. The office representative didnt like or wanted me to give him information and he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I properly filed a dispute of XXXX unknown medical accounts with Equifax on XXXX/XXXX/2015, they responded with a request that I contact the reporting collection agency, which I did on XXXX/XXXX/2015 ( proof of delivery attached ). The reporting collection agency did not provide me with any valid answer. I re-disputed to Equifax on XXXX/XXXX/2015 with a copy of my letter to the collection agency and proof of their receipt, Equifax again refused to properly investigate or delete these XXXX unknown medical accounts. Equifax opened the investigation XXXX XXXX, 2015 and mailed me the results of the investigation by XXXX XXXX, 2015. Equifax is the only credit reporting agency reporting these XXXX unknown medical accounts. I also contacted the reporting collection agency on XXXX/XXXX/2015 via phone ( since they were not responding to my requests ) I was told that they do not hold these XXXX unknown medical accounts.

Company response to consumer: Closed with explanation