BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: ORG GC GP Buyer, LLC
State: FL
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:
This debt is with G C Financial Services XXXX. They claim to be collecting for XXXX. I 'm a veteran. I was oversees during the period that XXXX claims I had their service. They also claim the service was provided in South Carolina, but I never lived there. 
I previously contacted XXXX XXXX and thought that I had worked this out with them. They took themselves off of my credit report. This happened over a year ago. Now they sent a collection account to .G C Services I tried to work this out with G C Services. I implored them to contact XXXX to verify that this was not my account. They refused to work with me and only offered me a settlement that was 65 % of the balance that they claim I owe them. They also refuse to remove themselves from my credit report. even upon payment. I 'm most upset that they will not contact XXXX XXXX. I ca n't understand that. I have tried to get XXXX XXXX to contact GC services, but they say they do n't have a record of me. I ask them to communicate that with GC and they say there is no way to do that. Really? I asked XXXX for a letter stating they have no record of me and they refuse to provide XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Gemini 2 months ago and submitted all identification forms and deposited money and bought crypto. I was verified then all of a sudden it says not verified and wont let me withdraw my own money thats on the app. Ive tried emailing. Calling. Tweeting and nothing. I want my money back this is a scam. I will be warning everyone about this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Consolidated Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They contacted me for a very old debt i had in XXXX  i took that out when i was XXXX XXXX XXXX. I started to pay it off they never once sent me a letter about the debt or have verified that they are the ones authorized to collect the debt. I asked several times for a letter to be either email or mailed to me for verification purposes but they declined and got an attitude and threatening to send someone to hand me some paperwork to go to court and be in Jail for non payment. There calling me non stop to pay whats left around {$400.00} something their name is Consolidated Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BB&T CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: BB&T CORPORATION
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ATM card stolen XXXX XXXX. : XXXX. Bank refusing to provide restitution. Bank will receive ongoing filings on here if they continue to avoid rules. I have lost my engagement, nearly lost my apartment 4 months ago, and my vacation I invested funds in I can not recover over this. Beyond angry and will attempt resolution w/ branch in person if necessary. Litigation imminent. Bank has no response to the issue. Bank is saying we know the rules and we do n't like them because they are n't in our favor, so we 'll just go ahead and keep the funds while asking for additional documentation, stalling, lying, passing the issue from department to department and jerking me around because bank security measures failed. Unacceptable.

Company response to consumer: Closed
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I tried to rent an apartment and was denied even though my credit score is XXXX. Apparently something not known to the public is that a credit score doesn't matter anymore instead there is a separate credit score called a residential report. My residential report is XXXX  even though I have never had an eviction or made any late payments on any rental that I have occupied. This residential score can't even be viewed on the transunion report. This is an obscure unknown report that is being hidden from consumers and should not. Everyone should have access to their residential report. And it should be based on rental history only

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 2021-04-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender overstepped his boundaries and did not honor his agreement for the first time down payment assistance program. This unethical behavior lead to, the lender trying to force me to purchase a home with monies that was not agreed upon nor discussed. As the buyer I lost an extensive amount of money along with a portion of my earnest money because of the lender 's unethical behavior and unwillingness to submit a denial letter. I understand this unethical behavior to be a case of predatory lending and the lender should be responsible for giving me back the other portion of my monies that I lost in earnest money and for a class that the lender was aware that I would not qualify for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: Diversified Consultants, Inc.
State: IA
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:
This is what I know. 

After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. 

I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. 

I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. 

This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants has been calling my work, cell and home phone repeatedly for months ( possibly a year ) sometimes several times a day. I thought they had stopped but today they called my XXXX aged son on his cell, LAST straw! They do n't tell me why they are calling but want me to pay them $ XXXX and give them info or face legal action. I would never give a company like this any financial info ever, I do n't owe them anything to begin with and have never even heard of them before. I do n't want to change all my numbers but will if you ca n't help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, PayPal limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. When I spoke to their customer support, the representative I spoke with agreed that there was nothing out of the ordinary with my account and that she could not identify why my account had been limited. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation