BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a dispute with our mortgage company, PHH MORTGAGE SERVICES ( PHH ). We contacted PHH in either XXXX or XXXX and requested 3 months XXXX XXXX, XXXX, XXXX XXXX mortgage forbearance and it was granted. Thus, in XXXX we began paying our mortgage but only noticed in XXXX that it stated that our loan was delinquent. We contacted PHH mortgage and was told that our mortgage was deferred for three months and in XXXX we are expected to pay the 3 months mortgage {$5100.00} XXXX XXXX X XXXX ). We are now dumfounded by this illogical demand. The customer service representative then suggested the XXXX can be repaid over the next 6 months by paying an additional {$860.00} each month. We are totally unable to do so. 
PHH states on their website If you have been affected by the Coronavirus ( Covid-19 ) we will help you through this difficult times. Helping homeowners is What We Do. Knowing our income was being drastically reduced, we also contacted other financial institutions ( XXXX, XXXX XXXX, and XXXX XXXX Mortgage ) that granted us forbearances until XXXX and extended our loans by XXXX months. Our main income comes from veterans benefits, and our children ; both children became unemployed early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: ZARVAD III S.A.
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill. 
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: IA
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've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It

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 2020-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of it.

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 2022-09-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PLEASE SUBMIT VERFICATION OF BALANCE REGARDING XXXX XXXX XXXX XXXX THIS DEBT WAS PAID BY ME VA MONEY ORDER AND SHOULD NOT HAVE BEEN FILED WITHIN THE BR COURT OR IF PAYMENT WAS MADE AFTER XX/XX/2018 IT SHOULD NOT SHOW A CLAIM BALANCE. 

IF DISCHARGED THERE SHULD NOT BE A CLAIM BALANCE, A CLAIM WAS SUBMITTED INTO MY BRC FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CFPB THIS IS NOT A DU ; ICATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX OFFICE. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BlueChip Financial
State: WI
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Transunion. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX XXXX XXXX. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the XXXX data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Transunion and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.

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 2017-03-19
Company: Diversified Consultants, Inc.
State: MN
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 was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a private student loan with Sallie Mae and try and try to lower my payment, they say they understand but still tell me that they can not lower my payment to something I can afford and do not default on. I have told them that I have other student loan to pay and I am not refusing to pay I just want to get a handle of paying an amount that I can afford and they are not listening and trying to help me. Most of the month of XXXX, the amount vary it was XXXX and then XXXX and XXXX. They will only take initially card payment and I did that before and they told me they will only take 3 payment and then take my card of my account and that did not happen and I didn't authorize for them and they took it out anyway. I am trying to get a better job to pay off my student loan but with this pandemic it's hard and Sallie Mae is not making it easy for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX was included in my XXXX  XXXX bankruptcy, yet they are reporting an active account the account was included in XXXX XXXX filed XX/XX/2022, the vehicle was returned to XXXX XXXX XXXX giving to XXXX the sales manager took two sets of keys took pictures, he said he gave keys to sales rep, and he did noting car still sitting at XXXX XXXX dropped car at dealership XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card
Issue: Payoff process

Complaint:
USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I received a debit card in the mail from Bank of America ( BOA ) in my name. I do not have an account with BOA and when I try to call to report it and close the account I am told that there is nothing that the person on the phone can do and that I need to be transferred to a different department. I am then placed on hold indefinitely. I have never talked to a person in the " correct department '' despite being on hold for hours. I called on XX/XX/2022 and was on hold for more than an hour. I have called today and have been on hold for almost two hours now with no response. I have no way to close the account and protect myself from further liability created by this fraudulent account.

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 2016-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies

Company response to consumer: Closed with explanation