BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency has not provided validation that I owe them for stated debt in the amt of XXXX and XXXX. I have snet numerous letters asking for validation and have yet to get response besides print out of services done from different company. The company did not mark disputed on my credit file as well as has failed to provide documentation of debt owed to them. I have requested for a signed contract that shows I am in debt to ( United Revenue Corp ) collection agency and have n't received anything. The agency as also used threatening tactics that this will remain on my credit file until paid. I do n't owe this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Ocwen Financial Corporation
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: HW Holding, 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:
The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S.C. 1681 ( ii ) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy ; The wrong Social Security Numbers

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 2016-02-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. 

I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
JH PORTFOLIO DEBT EQ, XXXX XXXX XXXX XXXX XXXX XXXX, MO-XXXX ( XXXX ) XXXX Is reporting an account that has not been validated. I 've sent a few letters and can not get them cooperate with me. I have even offered to pay a lower amount for the sake of saving time and to ease the troubles of all parties involved. Since this company is unwilling to cooperate and can not prove that I legally owe this alleged debt to their collection company, I am requesting formal relief and that they quit reporting erroneous information to credit agencies.

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: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: CA
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:
According to 15 usc 1692, I am the consumer and I am not obligated to any alleged debt. The furnisher can not validate debt with out my consent according to 15 usc 1692j. In your investigation you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 usc 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to removed All accounts from my consumer report. I did not give you written consent to report on my consumer report according to 15 usc1681 ( b ) ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Credit card
Issue: Other

Complaint:
I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.

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 2015-10-03
Company: ASTORIA BANK
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX

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 2016-05-18
Company: Data Line Credit Corp
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 contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX

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