BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-26
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with XXXX.. on XX/XX/XXXX. first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing XXXX, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the XXXX, XXXX assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to XXXX either by insurance or the XXXX & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights

Company response to consumer: Untimely response
Consumer complaint received 2015-06-18
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: DYNAMIC RECOVERY SERVICES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Suntrust/Truist called my closest relatives phone number regarding a debt that I didnt know I had. A XXXX called 3 times even before XXXX on XX/XX/XXXX and XX/XX/XXXX. I dont even know how they contacted my relative unless its public records. I dont know what this is pertaining to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A computerize message asking for XXXX XXXX, and I have no clue who this person is, asked to call back due to bad debt and to contact them. Other previous calls mentioned credit report/lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Sir, On XX/XX/XXXX I Have sent XXXX $ to XXXX ( XXXXXXXXXXXX ) using Paypal for a personal service. But after receiving money they do n't contact me even their cell phone is switched off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: IMPERIAL CREDIT SYSTEMS, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was dealing with Imperial Credit for my monthly payments on my motorcycle. I was never sent the title to my vehicle when the loan was paid in full. My motorcycle was involved in an accident and was totaled. My insurance company can not pay me for the motorcycle until I give them the title. I have made numerous attempts to contact the owner of the company and he will not respond to my emails. The voice mail has been removed from his cell phone. I now have a check made payable to my husband, my son and Imperial Credit for my motorcycle that I can not cash. I have sent a certified letter demanding a response.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-13
Company: Law Office of Linda Strumpf
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a XXXX XXXX XXXX through the bank of America and they closed my card without notifying me or telling me that it was closed. They refused to allow me to use my card to purchase things for my son who is in college. I was informed over the phone that I must enter the bank with 2 forms of ID to get access to the card. I see no reason why they would close the card and wont tell my why they closed the card.

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 2022-10-01
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( 1. ) After a second review of my Equifax credit report I've found this Hard Inquiry which I did not consent to : XX/XX/2022 XXXX XXXXXXXX XXXX Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This letter is to inform you of an issue I had while trying to make my XXXX 2014 and XXXX 2014 mortgage payments online with Ocwen Mortgage. My pay period is the last working day of the month and that is when my mortgage payments are made. On XXXX XXXX and XXXX XXXX, I tried to make the online payment at the website www.ocwen.com, and received a message that the system was down and to try again later. The system would not allow me to make the payment. Therefore, the payment was made via phone on XXXX XXXX. 
My credit report has since been pulled and I was notified that Ocwen is reporting two delinquent payments for XXXX and XXXX 2014. Once I was made aware of this issue, Ocwen Mortgage was contacted on XXXX XXXX, 2014 at XXXX. ; I spoke with a representative named XXXX. I explained the entire situation to XXXX and she informed me that I needed to write a letter explaining the situation to have this issue resolved. XXXX informed me since Ocwen Mortgage took over the loan on XXXX/XXXX/14, Ocwen Mortgage could not send any delinquent reporting 's to the Credit Bureau for 60 days. In addition, I called on XXXX XXXX, 2014 and spoke to XXXX XXXX # XXXX or # XXXX and XXXX stated when the loan is transferred, there is a 60 day seasoning and should not be reported. 
I take great pride in my credit scores and the information that is reported on my credit report very serious. We have been in our home for 17 years and have never had a problem until the loan was sold to Ocwen Mortgage. The mortgage has been sold several times ; however ; Ocwen Mortgage has been the worst. I sent a letter to Ocwen Mortgage to have the delinquencies removed and they would not remove them. It is imperative for Ocwen Mortgage to remove the delinquent payments from the credit reporting agencies as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TSI Transworld Systems Inc, is reporting 3 medical accounts to the major credit bureau agencies. I have repeatedly asked for an itemized copy of the charges that reflects what I am being billed for, how much and by whom. However, they fail to respond. ALL of my medical bills were paid by my insurance provider shortly after the time of service. I highly suggest they submit the info to the insurance provider for payment. I am not liable for any debt. In the interim they are and have repeatedly violated the FCRA, FDCPA and other stated and federal laws. I am demanding that this erroneous information be deleted from all 3 of my bureaus immediately ( XXXX XXXX. XXXX  and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have an abusive, alcoholic husband. I met a man named XXXX XXXX on XXXX who began talking to me and promising to get me out of the situation. He requested money from me on numerous occasions to help with his project in XXXX, being an XXXX, and once requesting money to help with one of his sons that was in the hospital. I got away from my abusive husband with a promise from " XXXX '' that he would meet me at the XXXX, XXXX airport on Tuesday, XXXX XXXX around XXXX ; however, he then started messaging me to let me know he was told that he had exceeded his maximum withdrawals on his account and could not get money to purchase plane tickets for him and his XXXX sons. He said he was supposed to meet a man on XXXX that would loan him {$3700.00} to be able to purchase the tickets ; however, then he has begun asking me to send more money to him. He knows I will be getting a 401K withdrawal of {$4000.00} on XXXX and has requested I send him the {$3700.00} and when he arrives in the US he will give me that money back, plus the money I already sent him. I sent him a total of {$9100.00} since early XXXX, not realizing I had sent him that much money. He promised to get me away from my abusive situation, take me on a shopping spree, has purchased a car for me, and will take me to live with him in his mansion in XXXX. Having lived an abused life, all of this sounded amazing to me. I suggested to him that I would send him prepaid plane tickets because a friend said she would loan me the money, but he said he did n't want my friend 's money. He wanted mine. He claims he is anxious to get back to the US and be with me, but he did not take the offer of prepaid plane tickets. He wants the cash. The money grams I sent were not sent to a XXXX XXXX, but rather XXXX of them to a XXXX and the last to a XXXX. My friend found this character on a website : XXXX. He is continuing to message me and became upset with me when I told him my friend found out I had wired money to him. He said he thought the money was our secret.

Company response to consumer: Closed with explanation