BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I lost my job after ten years in XXXX the business suddenly closed without warning. I had XXXX houses, XXXX new cars and XXXX kids and was a single parent. I paid my bills on time always up until about two years after I lost my job. I used all savings and retirement. It was the years when the mortgage and housing bottomed out. I had a loan with XXXX. I begged XXXX then XXXX XXXX XXXX to help me. They gave me the run around. So in XXXX I finally had to file ch XXXX. 
My payments were {$4500.00} a month to the trustee for five years. I only owed basically for my house and a second mortgage. 
I successfully completed the ch XXXX a couple of months ago and the XXXX collections accounts were added and removed over and over to my credit report. The collection agency was told and sent the ch XXXX paperwork they were included in and they continued to harass me. 
I filed disputes with all credit bureaus. The collections would be removed only to return over and over. 
The collection agency did n't even have my information on XXXX she said my name but had incorrect address, no social, no birthday nothing. I kept telling collections that it was n't even my bill. She called me a liar and said I was trying to get out of paying. Which it was already included in my bankruptcy. So that was a mute point at that time. 
After I disputed they removed all XXXX collections only to show back up over and over. My score was almost XXXX they added the collections back and it dropped to XXXX. 
I really do n't understand how a collection agency can do this over and over. I 'm trying to refinance my house and this has affected my score so much I ca n't apply now. 

The agency is rude, they say just about anything to scare you to death and harass me with saying I better pay. 
Please help me. I XXXX after I lost my job which I work 7 days a week but am doing well. This is not fair I worked so hard to pay such a high bankruptcy payment plus about {$4000.00} more in other bills. I do n't know how I did it for five years but paid almost {$9000.00} in bills plus food, gas and other things. I 'm very proud I accomplished this but want to be treated fair and given a fair chance. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Specialized Loan Servicing LLC without my knowing. I had a bi-weekly payment schedule paying half the monthly mortgage every 2 weeks. The previous mortgage servicer had no issue with this. Once SLS bought my mortgage, without my knowing, they started charging me late fees. When I figured out what was happening, I contacted them and the CSR said that SLS does not accept partial payments at all. I even offered to make a couple of payments early so I would never be behind. The CSR stated that was not allowed. How can SLS purchase my mortgage without my knowing and then change and restrict my payment options? In looking into SLS, it seems that many people have had issue with them, and filed many complaints. Please look into this shady 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 2022-11-04
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
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:
This company is in violation of my rights of And has failed to provide details of their reinvestigation

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 2016-06-29
Company: Northstar Location Services, LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My XXXX credit card account was sent to North Star Companies. I called after receiving a letter that a judgment was taken out on me about my account. When I called I was told my account was in a pre-legal status so I went ahead and set up a payment plan of about {$100.00} a month. This month my car stopped working and I needed it fix. So I called Northstar Company to see if instead of paying on the XXXX XXXX I could move payment to XXXX XXXX. I was told that because my account was in a pre-legal status they could not make any accommodations since I was already paying a low monthly amount, which I believe not true, because I have had issues in the past and accommodations have been made. I was then asked that if I could not make the XXXX XXXX, could I go borrow the money which I found offensive. I am already in debt why would I go into more debt.

Company response to consumer: Closed
Consumer complaint received 2016-06-11
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially. 

When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Real Time Group, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that LVNV Funding , LLC / Resurgent Correspondence provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bought tickets to a concert through XXXX pre-pandemic ( XXXX XXXX  amount of XXXX XXXX date was XX/XX/XXXX and XXXX XXXX  amount of XXXX scheduled date was XX/XX/XXXX ) using my debit card from Wells Fargo. Account was closed XX/XX/XXXX. Due to the pandemic concerts were canceled. XXXX issued refunds on XX/XX/XXXX ( amount of XXXX ) and XX/XX/XXXX ( amount of XXXX ). To this day both XXXX and Wells Fargo claim they dont have the funds.

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 2019-05-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We ended our lease with notice because of an attempted child napping by XXXX Ex Husband. Case # XXXX XXXX police provided panic buttons to us and the leasing office people. We had to stay for court and convict XXXX XXXX XXXX before we were free to leave the area. We decided to return to Oklahoma XXXX area. XXXX had a VPO in force against XXXX XXXX. 
XXXX and I decided to try buying instead of renting and were shocked to find XXXX had placed information on our credit reports that is FALSE, claiming we owe {$5900.00}!! There are XXXX Collection agencies putting false information on our reports so it is on 2 times!! The XXXX collectors are actually the same. They WERE XXXX XXXX XXXX and changed to Fair Collections and Outsourcing " FCO '' or XXXX XXXX XXXX. When FCO was contacted by the XXXX XXXX they added XXXX as a collector for XXXX XXXX because their address is here in Oklahoma XXXX. I have contacted XXXX XXXX and disputed the debt but the creditor shows the lease. Fact is, XXXX XXXX never returned out deposit!! So, they owe us {$1300.00} plus interest!!

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 2022-11-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$4000.00} cash to my Chase checking account at the ATM which is located at XXXX XXXX XXXX XXXX, XXXX CO XXXX about XXXX on XX/XX/2022. However, there was a malfunction with the ATM, the deposit process did not go through. It required me to call the customer service phone number on the ATMs screen in order to get the credit to my bank account without printing any receipt. I called customer service right after that, and they give me the claim reference number XXXX about the missing deposit. I have been calling Chase customer service back and forth, and they said the deposit will be shown in my bank account maximum is 10 days. I still have not seen any money from the deposit in my checking account. I called Chase customer service again and talked to the claim department manager. She informed me that they closed the claim because the investigation team could not locate the fund in the system. There was a problem which is why the ATM could not print out the receipt for me. I requested to reopen the claim and check on the footage at the ATM at the location and the timeline that has been mentioned above to prove that I was at the ATM depositing cash. They denied my request and told me to get law enforcement involved if I want to check the footage. I went to the XXXX police department in Colorado to ask for help, but they responded back to me that they are not authorized to do it because that was the ATM malfunction, not a crime. The bank was supposed to do it when investing my claim. {$4000.00} cash is not a XXXX, there was no way it can disappear like that. I hope CFPB can help me to get the money back and guide me what is the next step that I need to work on. I am looking forward to your response. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My chase checking & savings accounts was closing. When inquired I was never given correct information why the account was close. Even the phone operator hesitated to give then ID & name saying as for the policy. My account was closed with a positive balance which they sent me a cashiers check. 
Now I have a past due balance notice and when inquired what the past due is, they are failing to provide any kind of bill other than the bank statements that I already have. 

I am worried that they will send this to collection and destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Real Time Group, Inc.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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 requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. 

Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. 

Your response is greatly appreciated as soon as possible, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is my understanding the auto loan from Santander, qualified for it be removed and discharged due to the class action lawsuit. 

It is my understanding I had a loan during the qualifying time period and met the parameters to have it removed as a victim of unfair credit loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. 
Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights.

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 2022-11-05
Company: Affirm Holdings, Inc
State: DC
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:
I got multiple emails from Affirm saying thanks for applying for credit or things along those lines. They improperly inquired upon my credit report without a legal cause or my authorization and should be investigated for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Inadvertently missed a mortgage payment at Wells Fargo. Received +/- 15 robo calls at all hours. On picking up and saying hello, the line went dead. Finally, on Sunday XXXX XXXX, a live person was there and explained the issue which I corrected online immediately.

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