BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: DriveTime
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.

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 2015-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-08-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This past year, my husband spent 7 days in the XXXX. A XXXX, who does not get paid during the summer and I, a XXXX XXXX XXXX will not receive a paycheck until XX/XX/XXXX. We are unable to pay XX/XX/XXXX 's mortgage and contacted our mortgage company, Penny Mac. For two weeks I have contacted our assigned representative, over 15 times as well as calling into other departments in an attempt to get a response. On XX/XX/XXXX I spent 45 minutes discussing our situation and was told I would receive a call in 2-3 days. On XX/XX/XXXX, I missed a call from our newly assigned representative and returned his call an hour later. I have left 15 messages for him as well as his superior and other departments have emailed him as well asking him to contact me. No return call has been received since XX/XX/XXXX. I was attempting to call early to avoid any late payments and work out a solution for XX/XX/XXXX, but it is clear Penny Mac has no interest in contacting us or assisting in this matter. Today, I sent a 3rd message in their message center and there to, have received no response. Penny Mac claims to want to help their customers but it is clear they have no interest unless it makes money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This issue is regarding Midland Funding. This experience on account # XXXX has been a great when dealing with XXXX XXXX. She accepted my settlement on the amount of {$520.00} for {$230.00}. Our communication at that time was respectful and rewarding.
However, with dealing with all the other representative after the payment has been made has been less that satisfactory. They are demeaning and refuse to send me the requested satisfaction letter.
I need the CFPB assistance with getting my satisfaction letter and to have Midland Funding update my credit report to reflect a XXXX balance.
As a customer I expect the same respect that was given to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello : My name is XXXX ( XXXX ) XXXX and I wanted to submit a complaint about Conns, Inc. I have spoken with multiple representatives at the company and no one can give me a straight answer as to why I have XXXX late 30 days marks on my credit report. Additionally, when I called Conns on XX/XX/XXXX to submit a complaint to a manager ( XXXX ) assured me that I only had XXXX 30-day mark on my credit report. XXXX & XX/XX/XXXX, I was informed by a Conn 's representative that I was not supposed to make a payment until XX/XX/XXXX because I was on a payment plan. 

The credit bureaus informed me that I have XXXX over 30-day marks on my credit ( Transunion on XX/XX/XXXX & XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX   XX/XX/XXXX ) when I am on a payment plan. These marks violate my rights as a good paying customer and show that Conns , Inc has a miscommunication problem that I am paying out of my wallet. I would like the CFPB involved because Conns may not correct/refuse to correct the issue due to there lack of communication within there organization. 

Thank You, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Source Receivables Management LLC
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:
Reported a debt that is not mine to all XXXX credit reporting companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an auto-payment set up with Capital One bank, for one of my credit cards. This month, they did not take out the full minimum payment, and they charged me a late fee on the date that the payment way due, right after the payment was made ( {$100.00} instead of {$150.00} ). I was never notified of this, and only found out by happening to log into the website, to get the current amount on the card, while balancing my budget. 

After calling Capital One I am told that their policy is to not notify customers of issues with accounts until the statement comes out. The problem is that the statement comes out 4 days after the due date, and the fees are added on the due date. This makes it near impossible to correct any issues on time, when they need to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX XXXX, XXXX last XXXX of social. I apply for a mortgage loan with Capitalone bank on XXXX XXXX XXXX. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is XXXX. She stated my credit with Experian was XXXX but that was a lied. My credit score at the time of verification was XXXX. In the past 4 months my credit has never been below XXXX with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was XXXX. I believe the loan officer discriminated against me. She lied about my credit scores. At this time my credit scores are XXXX with XXXX and XXXX with Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had an old hospital bill for about {$1200.00} which I could n't pay at the time. I tried to make payment arrangements with XXXX XXXX Hospital but they would n't accept other than the full amount and they forwarded the account to Grant and Weber Collection agency.
Grant and Weber first started calling my work and leaving messages with my fellow employees which was embarrassing to say the least. The balance as been increasing and is now over {$3000.00}, I submitted a dispute through the credit bureaus and the only thing this caused was yet another increase of the balance. Please note the original debt to XXXX XXXX Hospital is over 5 years old. I do n't have any of the original documents from them

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 2016-07-12
Company: CCS Financial Services, Inc.
State: GA
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 have sent many disputes to the Credit Reporting Agencies and to Credit Collection Service in regards to their account that they are inaccurately reporting on my credit file. I have informed them many times that this account does not belong to me. But it just seems as if they are disregarding all of my letters. I have also sent them a Fraud Affidavit stating this and I did not hear anything from them and this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is " XXXX XXXX XXXX XXXX ". I have been trying to report about inaccurate items in my credit account but none of my afford has worked. I request investigations on these derogatory account that I list below : **Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
*Credit card* _ XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX how can there be {$6800.00} in a closed and charged off account. DELETE IMMEDIATELY!! 
XXXX XXXX  XXXX : XXXX. XXXX, XXXX HOW CAN THERE BE XXXX $ IN A CLOSED AND CHARGED OFF ACCOUNT. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$5800.00} in a closed and charged off account. Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$230.00} payment in a charge off account. Delete it please. 
_CHILD SUPPORT XXXX VA Reported : XX/XX/XXXX This account is not mine. I never receipt any credit or loans from this company. In addition, this account is derogatory and obviously demand to be removed as they have {$73000.00} payment in a closed and charge off account. Delete it!!! 
XXXX XXXX XXXX XXXX - XXXX XXXX  Reported : XX/XX/XXXX Again, all these account are inaccurate, they all try to take my money for something I don't own. {$27.00} in a closed and charged off account. Delete it immediately _XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX I do not have a financial obligation with THEM. Please delete this reference on my credit report. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never own any loans or credit from this company. Provide me full documents or delete it immediately. 
*Collection** _XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me full information about this collection prove that you has follow all F.C.R.A requirements, including proofs of any writing mail or disclosure as I never receipted any about this collection. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any credit or loans from this company _XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!!! 
XXXX Public records** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is not mine. Please delete it as they has a big negative effect to 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 2017-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS XXXX AND EQUIFAX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Byrider Franchising, LLC
State: AR
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation