BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: FAIR COLLECTIONS & OUTSOURCING, 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 was paid

Complaint:
On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. 
FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. 
( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. 

XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. 

I do not owe this company money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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:
Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?

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 2016-04-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this a debt that my ex husband has done and am not paying for it .my ex-husband has used my name to get a credit card in my name without my permission and am paying for a debit that is not mine we have been divoceced since 2001 and I have no contact with him .and iam sick and treid of getting this bills that are not mine I do n't even have a credit card because of him.

Company response to consumer: Closed
Consumer complaint received 2016-06-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently received a communication from Resurgent Capital Servicesin regards to a cancelled debt that was previously serviced by XXXX on behalf of XXXX. My son was given a notification by XXXX varyfying that the debt had been cancelled in XXXX 2015. XXXX is making an attempt to collect on a cancelled debt, and this is a violationof the XXXX Debts Collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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 lived in la mirage apartments in XX/XX/XXXX with another person name XXXX XXXX. when we moved out he gave them his forwarding address. they sent him that we owe {$590.00}. i wasnt aware of that.in XX/XX/XXXX i got a call from FCO saying i owe {$590.00}, i told them that that 's the first time i hear about it and that i can pay my half and they would have to contact XXXX for the other half. i asked if itll show on my credit report and they said no if i pay it. they did end up putting it on my report as " settled amount paid less then original amount '' .its been on my credit report for 5.5 years already. i sent them over 20 letters and called them more then 10 times. theyve been nothing but rude and hang up the phone on me saying there 's nothing they can do and " why am i calling you already paid us '' .i sumbit a compliant with the FTC and the company 's response was that they listened to the recordings from their orignall call 5.5 years ago and that they didnt promise me it wont be on my report. i called them today XX/XX/XXXX and asked for the reecording and they hang up the phone on me. i called again and asked for a manager and after 30 min on hold he told me i can send you a letter that you paid and you owe us {$0.00}. when i told him i do n't need that i need a deletion letter or a copy of the recording so i can give it to my lawyer he hung up the phone on me again. i dont know what else to do with this company. they are the only collection account i have on my report and they 're messing up my credit when i dont deserve it.

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 2015-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Gurstel Law Firm, P.C.
State: MN
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:
Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I signed up for a Citibank Citigold checking account using promotional code XXXX for XXXX Citi Thank You points upon completion of several qualifying transactions. The day after signing up for the account, I confirmed via Citi 's online customer service chat that I was eligible for the promotion and that the promotion was attached to the account. Citi confirmed eligibility and I proceeded with the required transactions. Upon completing the qualifying transactions, I confirmed with Citi via secure message that I had successfully completed all required transactions for the promotion. I was told that I did indeed complete all the required transactions and that XXXX Thank You points would be deposited into my account by XXXX/XXXX/2016. No points were deposited, so I asked Citi if there was an issue and Citi then said that I was never eligible for the promotion even after I had confirmed twice that I was eligible and completed the requirements of the promotion.

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 2015-04-14
Company: Real Time Group, Inc.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

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

Company 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 2016-03-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in XXXX due to my mother getting older she moved in to our home. In XXXX I wanted to refinance my home and it was then that XXXX of XXXX offer us a reverse mortgage for I was using my mothers income .. I had no idea of how the program really worked. I was concern that there was no payment and that we had not received any money in our hands. However, there is no mortgage payment and my mother passes on in XXXX. 
I sign all the paper work at the table closing with my attorney and the bank attorney. 
It is my understanding that I am on the note and the deed. I had hire an attorney to guide me to no success. I am told my house is in foreclosure and there is a sale day. Please help me find out what is going on with my house. My mortgage was served originally by XXXX XXXX When XXXX closed down Financial Freedom took over. I have XXXX children. I am a single parent trying t safe my home. My children are working now trying to help me to keep our home. My FH case # is XXXX My Lender account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release.

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 2020-12-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.

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 2016-10-05
Company: MRS BPO, LLC
State: NM
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:
In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Ditech Financial LLC
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Green Tree has change the Charge Off date so that it does n't get drop off my credit report. 
It also has also lower my FICO Scores. It was charged off back in XX/XX/XXXX and they reported to credit bureaus to reflect an reset charge off date of XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
SEVERAL YEARS AGO, A CREDIT CARD WAS GENERATED AT SYNCHRONY BANK, THRU QVC SHOPPING CHANEL, AND A PURCHASE WAS MADE USING THE CREDIT CARD. THE CHARGE WAS PAID IN FULL WHEN THE BILL ARRIVED. APPROX 9 MONTHS TO A YEAR LATER A BILL ARRIVED SHOWING A BALANCE, NOT FOR THE PURCHASE AMOUNT. WHEN IT WAS QUESTIONED, IT WAS LEARNED THAT THE BALANCE WAS CHARGES FOR LATE FEES AND PENALITIES, ALTHOUGH THE TOTAL BALANCE WAS PAID WHEN THE BILL ARRIVED. SUSPOSINGLY, THIS WAS DEALT WITH, THEN SEVERAL MONTHS LATER A COLLECTION AGENCY SENT A NOTICE OF A LARGER AMOUNT STILL OUTSTANDING. SYNCHRONY BANK WAS CONTACTED AND AGAIN, IT WAS SUPPOSINGLY CORRECTED.. AGAIN, LATER IN TIME ANOTHER COLLECTION AGENCY SENT A BILL. AGAIN SYNCHRONY WAS CONTACTED AND AN AGREEMENT WAS REACHED WITH THE UNDERSTANDING THIS EVENT WAS CLOSED.. ONCE AGAIN, RECEIVED A COLLECTION NOTICE AND THE COLLECTION AGENCY WAS NOTIFIED THE ITEM WAS CLOSED. TIME PASSED AND A DIFFERENT COLLECTION AGENCY SENT A COLLECTION NOTICE. WHAT STEPS CAN BE TAKEN TO CLEAR THIS ITEM AND FIND A RESOLUTION??

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 2016-06-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've been victimized by the illegal collection practices of XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a XXXXdollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by XXXX XXXX XXXX, upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against XXXX XXXX XXXX - XXXX XXXX XXXX. by the Consumer Financial Protection Bureau. Although this credit is present, XXXX decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but XXXX with their account XXXX games with moving the account from XXXX company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.

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 2015-08-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I brought a bed from Sleepys on credit. The credit was provided by Synchrony Bank. The amount of the purchase was {$400.00}. As soon as I bought the bed, I scheduled online monthly payments from my bank account on monthly basis on the XXXX of every month adding up to {$400.00} within the time period I was responsible to make the entire payment without an charges. However, now that I go and check I am charged late fees. I contacted the bank on XXXX/XXXX/15 and I was being told that I am charged for prepayment because the system does not recognize the prepayment and instead of applying against the amount due for {$400.00}, it has been applied against the minimum monthly amount due. I am being charged {$120.00}. I think that I am being cheated despite the fact that I have made total amount due.

Company response to consumer: Closed with monetary relief