BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: Data Line Credit Corp
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX which I traded in my XX/XX/XXXX Volvo.I then signed contract and release of liability to the dealer.I still have the contract.Three years later I received a letter from a collection agency that I owe them XXXX dollars for the car I traded in, that was towed from XXXX XXXX XXXX XXXX said at the time the car was still in my name.So I went back to the dealer and the dealer before was sold to another company.I spoke with XXXX XXXX and did what they told me and it is still on my credit report.I am really frustrated on what I am going through.The collectors will not listen to me.What can I do.The agency is Dataline Collections in XXXX XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my lender Ocwen regarding a loan modification. I have been providing the documentation requested in a timely manner and have been following up once a week to ensure the process is going smoothly. I was told several times that the foreclosure was on hold due to the active review of my file. I then find out that on XX/XX/2016 that my house sold back to the bank. No one ever informed me of this sale date and the trustee 's website in fact stated that it was on hold. My homeowner bill of rights have been completely violated as the sale proceeded during review, I am aware of dual tracking and am not afraid to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Revenue Assistance Corporation dba Revenue Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 at XXXX, I received a call from a gentleman who said he represented The Revenue Group. He said he mailed a letter to me in XXXX and that I did not respond. I asked him to please re-send the letter as I never received it. He refused. He said he 'd tell his client that I was unresponsive. I told him that was not correct, and I asked for the letter to explain any debt he was trying to collect. He hung up. I am not aware of ANY debt I owe that would end up in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't

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 2016-02-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.

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 2017-01-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney Bank.

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 2015-06-08
Company: Convergent Resources, Inc.
State: MI
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 just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft and someone opened up account in my name that im not responds for.

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 2016-03-28
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The daily phone calls are coming to our home landline. A recorded message does not ask for anyone in our household by name. It says it is an attempt to collect a debt and rattles off another number to call back. It does not repeat the call back number. I believe the number is : XXXX. We are on the national do not call registry.

Company response to consumer: Closed
Consumer complaint received 2016-09-07
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I and my co-borrower have recently canceled our purchase of the property at XXXX XXXX XXXX CA, due to bad communication practices and a botched loan process from our loan officer XXXX. Now we also are dealing with the bully tactics from the seller Realtor/broker XXXX who is trying to take our {$10000.00} Escrow monies that are protected by a Contingency. These XXXX characters need to be investigated and reprimanded. Also, the seller Realtor/broker XXXX had his license suspended last year XX/XX/2015!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Optimum Outcomes, Inc.
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hi, I am from XXXX and I travelled to the XXXX last year in XX/XX/XXXX - XX/XX/XXXX for three weeks. I felt very sick on XXXX XXXX afternoon and went to XXXX XXXX emergency ( in XXXX, CT ). They performed tests, gave me medicine and discharged me in the evening. I gave them my travel insurance details and my XXXX address. 

Yesterday ( XXXX XXXX, 2015 ) I saw a missed call alert on my phone XXXX XXXX XXXX - when I called back on the number - I learned that they are from Optimum Outcomes debt collection agency. The lady on the phone informed that XXXX XXXX forwarded my account to them for debt collection and that I owe them {$4000.00}. 

I then called the hospital and spoke to XXXX XXXX. She informed me that my account was sent for debt collection because insurance company had denied the claim. I told her that hospital had never sent me any EOB or bill or notification of this denial. XXXX XXXX informed me that I was not sent any bill probably because of an XXXX address. 

Can the hospital share my account details with a debt collection agency without giving me any notice? They did n't even send me an EOB. If they had problems in sending communications to XXXX address - they could have asked for a XXXX address ( a friend 's address/office address ) at the time of visit. 

It has been several months since the date of service and I am not sure if the insurance company will entertain the claim. This {$4000.00} equals approx. XXXX XXXX. It is a very large amount that I ca n't afford. If the hospital had informed me of this amount after denial ( they had my home address and email address both ), I could have talked to insurance company in time. 

I am an XXXX citizen living in XXXX. I do not want to have a bad credit history in case I get an opportunity to live in the XXXX in future. 

Requesting your help in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
these accounts have been reported on my credit are not mine this company has received the police report and id theft affidavit along with my identitfication i have attached it via the cfpb and I have emailed it as well and they have refused to recognize or recieve the information that has been sent to them regarding the accounts with their company that are fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: VA
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 filed a complaint on XXXX with Equifax XXXX XXXX and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: LD Holdings Group, LLC
State: GA
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:
FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS LOAN DEPOT. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" XXXX XXXX '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.

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 2016-02-03
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.

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 2016-12-04
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I was first out of college and underemployed or unemployed the company consistently steered me towards forbearance and deferment, this took my loan balance went from the initial {$55000.00} to over {$72000.00} by the time I was able to get on my feet and find a good job. I feel like I would have been better served by a IBR or other program, but when it came to setting that up the documents would n't go through for on reason or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Clark County Collection Service
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a veteranXXXXgovt employee working in XXXX XXXX XXXX   Hospital XXXX XXXX. I do not have responsibilities for any bills. The VA is my insurance company. The City of XXXX XXXX sent my bills to XXXX XXXX XXXX XXXX XXXX Fee Basis   sent invoice for my bill for payment To XXXX Texas XXXX for date of service of XX/XX/XXXX. The confirmed electronic check # XXXX XX/XX/XXXX was sent to City of XXXX XXXX. My file had XXXX Balance. No account was ever sent to collections for any reason. ( Confirmed ) The City of XXXX XXXX started outsourcing billing XX/XX/XXXX according to my research. 
I received this information from agents still working with files before XX/XX/XXXX. I have been working on improving my credit score since my illnesses. I checked my report and this collection has been on my report since XX/XX/XXXX. 
I am very very disappointed and upset. The information is incorrect & should not be there. I did not receive any notice. Im concerned there have been more files in collections being billed twice through Dept of Veterans Affairs. 
I have tried giving all this information to CLARK COUNTY COLLECTIONS AGENCY   without resolution. I would like my score to be returned back and this to be remove from my credit report. I would like an audit of files sent to the from City of  XXXX XXXX about Dept of Veterans Affairs.

Company response to consumer: Closed with explanation