BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the past 6 months, I have made arrangements to pay my debt to Money Recovery Nationwide. They have constantly every month opened a new collection on my credit reports. They are doing this because I have complained to them, and the Michigan Attorney General along with the consumer and financial protection bureau. I am in the process of getting a mortgage and they are constantly depleting my score on my credit files. They will not remove any paid debts and even though the debt is from the same company. They are filing them every month as a " New Collection ''. This is not a new collection. It is a medical bill that was never verified by myself or XXXX like I have asked. 

I would like them to remove ALL collections from All XXXX major bureaus immediately. They will not respond to any complaints legibly. They only will respond with : - Money Recovery is required by law to post them as new collections under the FCRA ( Which is not verified or true ) - Money Recovery does not do removals Also my complaint is Money Recovery Nationwide is not notifying people that their debts will be reported if it is not paid. They are collecting on the debts and not sending out receipts or notice that if it is not paid in a certain time that it will be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.

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 2016-07-22
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my doctors office and this was supposed to be removed from this company. It was sent to them in error. Yet it is still on my credit as paid but it was filed in error with the company

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 2015-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor sued for judgment in XXXX ; account was settled in XXXX. Judgment remained on account until XXXX XXXX when Vacate Judgment was entered. However, Creditor then changed debt to collections, creating a double jeopardy for the debt. Once the judgment was vacated, the debt is no longer reportable. Creditor refuses to remove illegal reporting after multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I, XXXX XXXX, have owned XXXX XXXX  accounts with {$10000.00} each one at Discover Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) for many years. Money was withdrawn from accounts ending in XXXX, XXXX and XXXX without my consent. After weeks of calling different departments, and sending them a Declaration of Loss, the money was restored to my accounts. 
Due to the fact that money was withdrawn from my accounts without my consent, not sent to me, as they claim, and I do not consider it safe at that bank anymore, I requested for them to close my accounts and send me either 7 checks for {$10000.00} or one for {$70000.00}. They say that because the money is in XXXX, I have to pay the penalty. 
Even when the penalty after the interest, is low, I do not think I should pay more than what the interest is at this time, or not interest at all. 
Please, help me solve the problem. I do not think I have to pay for somebody misbehavior, since I do not consider it an error. 
Thanks ahead of time for your attention. 
XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act these companies below violated my rights. 

XXXX, XXXX / Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX / Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX ; It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX I sent a certified letter to Portfolio Recovery Associates asking for them to validate a debt of mine that had been sold to them on XXXX/XXXX/XXXX. I received validation of this debt from them via mail on XXXX XXXX, XXXX. This letter validated that they had purchased the debt in the amount of {$2200.00}. On XXXX XXXX, I replied to the validation with a letter sent certified mail explaining the situation and offering to settle the debt for {$1100.00}, and also asked that the account be reported as paid in full to the XXXX major credit reporting agencies once they received payment from me. I received a card back from the United States Postal Service stating that a XXXX XXXX received the document on XXXX XXXX, XXXX. I have not heard back from Portfolio Recovery Associates since sending that letter- nearly three months ago. I would like to get this debt settled but have not received a letter accepting or denying my settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s

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 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one company holding your funds due dispute waiting on someone else choice. Its really mind bothering how how they are not here for my protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my capital one card after my automatic payments because they did not pay the full balance. Then they restricted my card for fraud and my credit score is dropping because of it. My balance is XXXX and they still restrict it with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Social Finance, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 got notification that account was frozen after I transferred {$4000.00} to account from within the banks money transfer system. They pulled the money from my other bank that was linked. I tried calling the number they told me to call but it never actually directs you to a customer service representative it just gives option to leave voicemail. They never respond back or told me reason for freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing my XXXX and XXXX Mortgage. I currently have both with Ocwen who bought the loans from XXXX who bought it from GMAC. I had asked for help to lower payments on our loans a few years back due to the economy and salary restructuring from my job. 
I have been approved to get this new loan from a different lender, but Ocwen has informed me that I have what they call a Shared Appreciation amount tagged onto the payoff. I have asked for this to be removed as I explained my situation that this would help me and my family get reorganized and back on our feet, due to hardship with my wife health and medical expenses. 
Ocwen verbally has said that the Shared Appreciation amount has been removed several times, which i have 2 payoff quotes showing it. Now they state that it can not be removed. Myself and the new lender has been calling and talking with Ocwen several times a week about this and getting no where. My wife and I never agreed to a Shared Appreciation amount as we never signed an ok for it. We did sign for a modification on the existing loan a few years ago but this was not with Ocwen. 
after todays phone conversation with Ocwen I have gotten no where but an I 'm sorry we made a mistake. I am out a few thousand dollars, and a lot of time as I have been trying to resolve this since XX/XX/XXXX. All I am asking is to pay off both the XXXX and XXXX mortgages and be free and clear form Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer Portfolio Recovery Associates, This Credit Card is over 15 years old and Has already been removed off of my credit report. XXXX XXXX XXXX Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paypal credit does not update their reporting of what the client owes them as credit, after the items were returned. That is to say, the items are returned, but they remain on the clients account as charges owed. This situation is never rectified unless the client discovers it -- and even then it is a lengthy and complex process that can take up to several months.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 1XXXX XXXX Account # XXXX **,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX Bank Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-11-27
Company: DISCOVER BANK
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the hippa law I didnt give this company to disclose my debt to anyone. Furthermore I asked for a validation of debt and they failed to send me one. So I need this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice of collection account from Waypoint Resource Group ( WRG ) on or about XX/XX/2022, indicating that they were attempting to collect an alleged debt for XXXX XXXX. Please note that I had also received multiple, repeated calls from WRG despite my request for any communications to be only in writing. Per my consumer rights, I submitted a written request to WRG on XX/XX/2022, sent via USPS certified, return receipt mail requesting full verification of the alleged debt, as I do not believe this a debt that I owe. I have verified that this letter was received and signed for a WRG representative on XX/XX/2022. I never received written verification of the debt. On today, XX/XX/2022, I reviewed my XXXX credit report and noted that WRG had reported this account to the credit bureau as a debt that I owe, yet still had not provided written verification of the debt to me. I contacted WRG via telephone on XX/XX/2022 at XXXX XXXX, initially speaking with a representative, XXXX, who acknowledged receipt of the letter and then stated the initial notice sent was the debt letter. I informed her that the letter received only indicated that WRG was assigned a the responsible party for collecting the debt, but did not indicate any verification of the debt. XXXX indicated that she could request a debt verification statement, but it would not be available for 5-7 days. XXXX ended the call abruptly. I called WRG again on XX/XX/2022 at XXXX XXXX, this time speaking with a representative named XXXX. She again confirmed that my letter was received by WRG on XX/XX/2022 requesting verification of the debt. She indicated that she would request the verification statement and it could be emailed to me within 1-2 days. My rates have been violated by WRG, as they did provide the requested debt verification and have subsequently ( and erroneously ) submitted collection information to the consumer credit bureau that has negatively impacted my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: HI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,

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 2022-06-01
Company: Self Financial Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was in the process of my credit rebuilding journey, didn't know much about maintaining/organizing good credit history. I was on XXXX  and ran across credit rebuilding tips. Self Financial INC/LEA has a ''secured '' credit builder loan. Didn't understand it fully, signed up XX/XX/XXXX for the secured loan of {$530.00} During the Pandemic, I was struggling. Didn't think because it being a secured loan. Didn't thinkt hat it would impact me negatively! I never sent any money or used the account. Now 30/60/90 day ''late payments are on my credit report. I closed the account, disputed with all 3 bureas to have the account removed to no avail.

Company response to consumer: Closed with explanation