BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Midland on  XXXX / XXXX / XXXX  and asked them to validate an old cc collection that they stated I was owed. I had previously asked for validation before and all I received was a statement on  XXXX / XXXX / XXXX . I proceeded to send a debt validation letter on  XXXX / XXXX / XXXX  that asked them to tell me what the money I owed was for, to show me how they calculated what I owed, to give me copies of any paperwork that showed I agreed to pay them what I owed, to give me copies of any contract that I had with them that contained my signature stating what I owed, to show me that they were licensed to collect in TN, and to stop contacting me regarding this issue until I received all of the above information. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt that they say I owe. I requested proof that I am indeed the party that Midland is requesting to pay this debt and that there is some contractual obligation that is binding me to pay this debt. The request for validation is made pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA. Being that Midland did not respond, they are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CL Holdings LLC
State: CA
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:
I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: I.C. System, Inc.
State: FL
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:
not mine/no knowledge of negative charge off accounts on my credit report

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: PA
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 this creditor ( jpcmb ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was paid in full years ago and now the bank is saying that it was not satisfied. I have the proof and documents to prove otherwise

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 2016-10-27
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: PA
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:
In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wife has been incapacitated by a ruptured brain aneurysm and I have paid off her Capital One credit cards, of which she had three. As I am now her guardian per a recent court decision, I have sent all necessary paperwork to Capital One. 

They continue to refuse to close the accounts on the grounds that they do not have her signature. My wife is unable to sign any paperwork. This is a change from Capital Ones original position that they needed the court paperwork listing me as guardian, which I provided. 

They continue to charge monthly rates on cards I have spent four months trying to cancel, I need this resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Upgrade, Inc.
State: CA
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:
After speaking with an Upgrade customer service agent, I was told that it takes there company 7 business days to post charges to their credit card so you are not able to pay off the actual full balance, only what shows as the balance minus charges with the last 7 business days, but the dates for the charges show the current date, ( the image showing pending charges have a date of XX/XX/2020, but were charged 5 days prior to that date ) even though your account shows your current balance with those charges that they deem as " pending ''. And when you do make a payment, it does not deduct from your bank account for 7-10 business days and you are charged interest that has not yet accrued when you make that initial payment. It will eventually credit back to your bank account, but I question charging interest that has technically not yet accrued. If you do try to make a payment over the amount due ( which they automatically will deduct ) you HAVE to speak to an agent over the phone, which I have actually been on hold for 35 minutes just to talk to someone to make a payment. This companies goal seems to be to ensure it's customers accounts show activity that is not necessarily happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-12-03
Company: Coast to Coast Financial Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.

Company response to consumer: Closed