BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I could n't find an option that best fit my complaint. I took out a cash net loan a few years ago paid it XXXX by now but the first time lost my letter which is my fault. I paid it XXXX XXXX of this year and had them email me a copy of my paid in full. The next day they tried to have me pay it again after harrasing me they got a paralegal involved and she resolved that it was paid and I did n't owe anymore which i have a voicemail proving that. A month later they called my father trying to get him to pay my already paid debt. I 'm XXXX years old and do n't need my father involved on my behalf. I called and resolved it with the paid in full letter. Today I recieved a call trying to get it paid again. This company is harrasing me even though my debt is paid off. Can you please help me?

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 2017-01-30
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a bill from XXXX and XXXX specialists XXXX started at {$800.00} I paid payments on time every month. The balance now is {$140.00}. I received a letter from hillcrest credit agency on XX/XX/XXXX17 stating that my account was turned over to them for XXXX. I have until XX/XX/XXXX17 to pay all of the amount or they will turn this over to the credit bureau thus harming my credit. I called the XXXX specialists and spoke with a manager that told me that the billing manager was out her name is XXXX. This manager told me that XXXX had sent not only my account but other customers bills as well on accident and that my credit would not be harmed due to their error. I spoke with hillcrest credit agency they did not confirm this information and stated that it would be turned in as of XX/XX/XXXX17. 

XXXX specialists XXXX XXXX and XXXX hillcrest credit agency XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Concord Resolution Inc (Closed)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phone messages received about me being a person of interest in a past debt that I owed. I have no past debts and in looking up the phone number that called me, I see the company is well known in scamming people for so-called debt collection.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-18
Company: First Associates Loan Servicing LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program.

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 2016-10-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: FINEX Group LLC
State: CA
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 bought a car, for parts, from XXXX XXXX. I paid {$200.00} for it and she gave me the title which had not been transferred into her name. She wrecked the car before registering it. She had a friend take the car to work on it. Said friend went to jail. The car was on XXXX XXXX in XXXX. When I went to get the car, I was told it was n't the car I had bought. When the gentleman let me look at the car, I could tell he had put a different Vin. # on top of the original one. He said he had no keys to open the door. He and his friend got aggressive towards me and told me to leave. I went to the city of XXXX with pictures of the car in his yard. They said XXXX was in the county jurisdiction and would not go with me to try to get the car. The Shefiffs department would not go either. I never had the car in my possession. The car was burnt up and towed to XXXX & XXXX XXXX in XXXX. They put a lien against the car and billed me for {$2000.00}. I explained that the car was never in my possession therefore I was not liable for bill. They then sent the bill to a collection agency, who in turn billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: National Financial LLC
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been borrowing from Loan Til Payday and I can not seem to ever pay anything more than interest when they are taking {$280.00} out of my check every other week for the past 3 or 4 pays on a {$1000.00} dollar loan and I can not keep doing this. The interest is way to high and just with that along I ca n't put anything towards the principle. I spoke with someone about it and they told me I am getting ripped off and to contact you because XXXX dollars every other week just for interest is insane.I am a single mom of XXXX and needed the money to move into a better house after being almost homeless. Now I ca n't seem to get back on my feet with this high interest alone. I am getting set back further and further by the XXXX being taking out of my account just for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance. 
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}. 
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I owned a XXXX XXXX XXXX. On the XXXX of XXXX XXXX I was stopped for driving with a suspended license. The XXXX had my car towed to XXXX XXXX XXXX XXXX and placed a 30 day hold. The amount was going to be very high to take out so I signed the title to the towing company so that they could lien sale it. After that, I never heard from the company ever again. No notice or letters giving me notice that I owed this amount. Then on the XXXX of XXXX XXXX I get this letter from the collection agency FINEX GROUP LLC Collection Services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I informed them that I disputed this debt. XXXX XXXX XXXX neglected to give me proper notice that this was outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Incorrect information See attachments for proof .Accounts not mine. XXXX XXXX potential negative Date opened XX/XX/XXXX balance {$290.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date open XX/XX/XXXX balance {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date opened XX/XX/XXXX balance of {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative Date opened XX/XX/XXXX balance of {$400.00} status Collection/Chargeoff. 
XXXX XXXX potential date opened XX/XX/XXXX balance of {$2400.00}. status Collection/Chargeoff. 
XXXX XXXX XXXX potential date opened XX/XX/XXXX balance of {$4600.00} status Collection/Chargeoff. 
address XXXX XXXX  XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX texas XXXX. 
Names XXXX 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 2015-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. XXXX. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: Concord Resolution Inc (Closed)
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-05
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Brelvis Consulting, LLC
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was attending a private college, XXXX XXXX College, for XXXX. The school is closing and I am unable to continue due to their closure. I have accumulated a large debt from financial aid and needed to figure out how to pay it off. I thought I was dealing with the actual Department of education about my loans, trying to consolidate them. The company The Student Loan Help Center ( TSLHC ) said that I needed to pay {$790.00} for this service. Of course I ca n't afford this so they set up a payment plan of 4 monthly installments. After the second payment went out I recieved a notice from the Department of Education ( DOE ) stating that my Power of Attorney was declined. I called the DOE and was informed by XXXX of the reps that they provide this service for free and the TSLHC is a 3rd party debt relief company scam. I called my Bank and faxed the letter stating the declination of my Power of Attorney. My bank reversed the charges and changed my account # so they would not have any further access to my funds. 
I was contacted by the TSLHC asking for the third payment, I stated I needed to discuss this with the DOE. I then called the DOE and again was informed not to speak with TSLHC, to call the State Attorney General and file a complaint of a 3rd party debt relief company scam. I did this and was redirected from the Attorney Generals office to contact the Consumer Financial Protection Bureau and place a complaint with them. 
If you need any further information you may contact me. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX New Mexico XXXX XXXX XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Baxter Bailey & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-20
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today received a call about Victoria 's Secret XXXX and was told urgent matter needs to be resolved. Used threatening language. Have not used any type of Credit Card for that location in over a decade. Have no outstanding debt with Comenity Bank as they are the ones calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.

Company response to consumer: Closed with explanation