BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: Amsher Collection Services, Inc.
State: TX
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 cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments. 
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day. 
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Investigation took more than 30 days

Complaint:
Capital one auto is still reporting XXXX late payments when the information on my credit is over XXXX old the account was paid as agreed and was closed in good standing as it was paid of. The account either needs to be removed or the need to remove the late payments as it has been well over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: ProCollect, Inc.
State: OH
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 was enlisted in the XXXX in XXXX, someone put my name on an apartment lease in XXXX. The original creditor shows no rental history for me, I sent that verification along with the verification that I was XXXX at the time this " lease '' that nobody has a record of was initiated. Yet the collector still will not remove it from my credit and this is keeping me from renting an apartment.

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 2020-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
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:
On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 we contacted bank of America and told them we wanted to due a deed in lieu, because we could not afford the house. We were not behind in payments, but wanted to due the right thing. We went through all the steps filling out all paper work. Bank of America put a lock on the house the end of XXXX 2015 and we signed deed in Lieu paper on XXXX. When XXXX country notified me that the house lawn was not mowed, I contacted BOA, at that time I was told the deed in Lieu was not approved. I said you have locked us out of this house and did n't contact us that it was n't approved. They had sent a letter to the empty house, when they had know we had not lived there in four years. All monthly statements were sent to new house, plus in the process all letters, but this one had the correct address on it. They are now telling me that they are going through the foreclosure process, I feel it is to claim more money then we owe. We gave then a clean house with a new heating & air new floors. I have attached the appraisal done by BOA. They told me XXXX/XXXX/2015 that they are starting negative credit reporting. 
I would like BOA To remove all late payments after XXXX/XXXX/2015 and to complete the deed in lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to Amsher, who then sent it over to their attorney office, XXXX XXXX located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called Amsher in order to dispute the debt. Amsher told me that I had to go through XXXX for anything further since the account was transferred over to them. I have now been in contact with XXXX for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called XXXX 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in XXXX 's hands that they need to be the ones to send me a dispute validation. XXXX 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the XXXX time I've contacted this company about a debt for XXXX. The debt is paid in full and the company is still showing over a {$500.00} balance on all 3 of my credit reports. This needs to be removed and shown as a {$0.00} balance immediately on ALL 3 CREDIT REPORTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX of 2021 my account was limited by PayPal. I use my PayPal account to receive payment from good/products I sell online. Since limiting my account the suspended my account for good, which then they send me an email indicating that I will be able to access my remaining fund within XXXX from the time of the suspension of my account. Its been 350 days since the suspension of my account. Ive tried to contact them so I can withdrawal my money, but is getting no where they dont reply to my emails or later and I will like this solve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.

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 2020-12-27
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with Nationstar Mortgage LLC, dba Mr. Cooper on XX/XX/2020 via wire transfer. There was an overpayment of principle and an escrow account associated with the account totaling almost {$4000.00}. Nationstar acknowledges that the loan is paid off, but will not send back, or even give any helpful guidance, about the disposition of the funds it owes back to me. It is now XX/XX/XXXX, and they are still holding my funds, and refusing to respond to inquiries I've made, in writing and over the phone, for the exact amount they show is owed back to me, and when the funds will be sent. They have said " we don't know '' when asked the amount and I have received XXXX different answers ( from XXXX business days to XXXX business days ) regarding the time line. In this day and age of electronic record keeping, etc, it is not FAIR or REASONABLE that they are holding the funds, and claim to be unable to even provide details on the mater 23 days after accepting the wire transfer payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is falsely reporting negatively on my credit reports for a debt that does not belong to me. I have no contract or never heard of this company. Unless this company can show me with ink wet signature proof with my signature that this account belongs to me, it is within my rights cfob enforce the law and mandate this company remove all negative remarks from all reporting agencies today. 

once again unless this company can show 100 & percent accuracy of debt owed and show proof with my signature that I agreed to repay said money owed, this account needs to be closed and removed today and CFPB must enforce the laws protecting me from false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: NCSPLUS INCORPORATED
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX after calling in advance to find out what the cost would be to be seen by a doctor. I was given the cost and paid in XXXX installments. I have been receiving collection notifications in the mail for the visit on XX/XX/XXXX. I have called several time concerning this bill and after several unsuccessful attempts I was told by a manager that I was being billed for being treated by the doctor. I have been told that {$270.00} I paid was for the use of the facility and the collection notification I'm receiving is the cost for a XXXX treating me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or approximately XX/XX/2020, I sent the company a letter stating how they have failed to provide me a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have not provided any documentation bearing my signature and it has been over 30 days and I have yet to get a response bearing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an unsolicited Illinois Department of Employment Security ( IDES ) prepaid debit card issued by KeyBank. I did not authorize this application. This action is an example of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter in the mail from. XXXX XXXX XXXX about an account I had with Capital One. Capital One has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by XXXX XXXX XXXX, which apparently purchased the debt from Capital One. I asked them for the number and when I called XXXX, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have XXXX provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Well I never really use my card for really big purchases so when i look at my account it said -XXXX in checking and -XXXX in savings so i called my bank and started a claim the operator was very confusing so i didnt understand her so when she asked me stuff it confused me so after that she gave me a claim number and thats it i called back a fee days latter and they said it was denied bc of information she explained it wrong so i gave the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or around XX/XX/2020, I submitted an email to this company asking to see the source of information, which is the original contract that contains my signature, according to FCRA Section 609. I have also produced documentation from the courts themselves stating that they do not report to the credit bureaus and therefore since the courts themselves did not furnace this information to the credit bureaus directly it is clearly a violation, which would be an inaccuracy, defaming my name and character. I asked for an reinvestigation and the only thing they could come up with is that it was reporting accurately. That is such a violation if it was reporting accurately the courts would have been the one responsible for how it is reporting on my report. Therefore the court did not furnish the information it is clearly an inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, Equifax, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.

Company response to consumer: Closed with explanation