BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have an account with Capital One and we receive a bill in the mail every month. There were a couple of months where we did n't receive a bill and made our payment late. Capital One reported our account 30 days past due on several occasions. I have sent them a couple of letters pursuant to the Fair Credit Billing Act to verify that my payment posted past the 30 day mark and I have not heard anything back. The only response we received was a letter requesting the account number which was already provided. We have simply asked for these 30 day late payment remarks to be removed so that we can move forward on purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dispute to have lien removed as it was paid in full. Dispute re investigation advised that this lien was verified. Reached out to XXXX County where my lien was filed and they advised they had not record of my lien as it is possible it was withdrawn. The agent advised me i could access their website and do a search for my name to see if I had any past liens whether paid or not paid. Was able to access the website and find that I am not in their system nor is any information public record on state taxes from 2008 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF THE WEST
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of the West charged a {$36.00} fee for a check paid on XX/XX/XXXX due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on XX/XX/XXXX after paying the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27
Company: Taylor Law, PLLC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EOS Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.

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 2021-04-05
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a customer of United Wholesale Mortgage. My home loan number is XXXX. This loan was paid off on XX/XX/2021. I am owed a refund for my XXXX payment in the amount of more than {$2100.00}. UWM keeps telling me the money is coming, but I have not received it. It has now been more than a month. Why are they allowed to hold on to my refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: AFNI INC.
State: TX
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:
This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My daughter 's car was repossessed by Kia Motor Finance. I was going to pay to get the car out of impound and refinance the car in my name. Kia told me that once the payment to the impound yard posted they could give me a payoff amount. On XX/XX/2017 I received a payoff amount and that amount was good through XX/XX/2017 with a per diem amount of XXXX. I mailed a check for that amount on XX/XX/2017. On XX/XX/2017 the bank notified me that they had not received the Title for the vehicle from Kia Motor Finance. I called Kia and spent over 1 hour on the phone with XXXX different people who all told me the same thing. After Kia gave me the payoff amount, the next day they added a fee for repossessing the vehicle and now I owed a balance of XXXX dollars and unless I paid that balance they would not release the Title. This amounts to extortion. They knew that the vehicle was in repossession, I asked for a payoff amount, and I paid the amount that they told me to pay. Now they will not release my title unless I pay another XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-09-15
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have a payday loan through the Cash Store located on XXXX XXXX XXXX, XXXX, TX XXXX. I defaulted on my payments, so I have been dealing with their office calling me multiple times a day on my personal and my work phone. They have been calling me on a multiple line office number, which is used only for customers since I work in the healthcare field. I called the Cash Store on Thursday, XXXX XXXX, 2015 to let them know that I needed them to stop calling me at the multiple line office number and that if they needed to reach me, they could call my DIRECT work phone line or they could call my cell phone. However, they attempted to call me again on XXXX XXXX, 2015 after I had already discussed this with XXXX ( the manager of this branch ). I am in contact with a debt consolidation organization here in XXXX XXXX to discuss my options to deal with all of my debt so I can hopefully be debt-free soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, my mother passed away. She was leasing a vehicle from Hyundai Motor Finance at the time of her death. In XXXX XXXX, I assumed the rest of the lease payments XXXX through XXXX XXXX ). I am currently trying to refinance my home and learned Hyundai Motor Finance reported to the credit reporting agencies that I had XXXX late payments for the leased vehicle in/around XXXX XXXX. This reporting is negatively affecting my credit and thus making it difficult to secure a loan based on stellar credit scores ( my credit is now XXXX w/ the perceived late payments ... normally XXXX ). Hyundai Motor Finance is telling me I assumed all the negative credit information that is associated with the lease prior to me assuming it. This type of reporting is clearly inaccurate and can not be correct. Please help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BOGMAN, INC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Dynamic Recovery Solutions, LLC
State: MO
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:
On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of XXXX ( XXXX ). XXXX alleges the original creditor was XXXX XXXX ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to XXXX. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from DYNAMIC RECOVERY SOLUTIONS ( DYNAMIC ). DYNAMIC alleges its client is XXXX, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that XXXX and DYNAMIC have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, DYNAMIC chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or XXXX, there was no validation of debt. 

It appears XXXX, XXXX, and DYNAMIC are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears XXXX and DYNAMIC are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported DYNAMIC to the CFPB previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: Radius Global Solutions LLC
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received my credit report from XXXX and XXXX roughly in the same month of XXXX XXXX. 
My issuse is this ... ..as I compare the information on both reports I couldnt understand why XXXX XXXX failed to listed the original credit amount for this negative account. It is also clear that this account was opened XXXX XXXX and first reported XXXX XXXX. After calling XXXX XXXX to get a clearer understanding on my debt I was in formed that they had no record, dates or credit history. I was directed to another company that was not even on my reports. 
Ater contacting the Central Credit Service they to were unable to produce any verifiable documentation. This account was charged off according to XXXX and XXXX yet XXXX is claiming I have a past due amount. But again there was no documentation for me to agree with it. The balance amount was supposedly {$88.00} while the past due amount was {$76.00}. Im completely helpless in this situation. The damage that it has done to my credit score and my ability to establish other credit can not be undone. I do note recall recieving merchandise from MW at all. If I had this account since XXXX XXXX why dosent the account reflect the payments on it to project any positive reports. I have been affected by both XXXX XXXX and Central Credit Service long enough. If the account was mine all the had to do is forward me the bill and I we all would have saved time and money.

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 2015-05-11
Company: Dynamic Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: RentDebt Automated Collections, LLC
State: IL
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:
The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Dynamic Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Updated info : Customer provided phone number receiving debt collection calls : XXXX. 

Updated info : I have not had any debts since I paid my mortgage in XX/XX/1993 so the debt is not mine and I have also received letters in the name of XXXX XXXX. I sent the letters back saying that person was not at this address. 

Receiving repeated calls from Dynamic Solutions Recovery Solutions, LLC Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. They finally left a message today after calling many times over the past several days. I have no debts, unpaid or otherwise and just wish they would stop harassing me for somebody else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: CREDIGY USA CORP.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX/XXXX/2015, I filed an dispute with NCEP. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised NCEP to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised NCEP that not complying wit the FDCPA will put their company in a bad position with the CFPB. NCEP never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .NCEP sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TOWNE MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation