BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Falls Collection Service Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt, company continues to attempt to collect, they are not bonded in Texas, and can not collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
account is on my credit report the facility did not bill account to secondary insurance was never given validation notice

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 2020-04-15
Company: FISERV INC.
State: MT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an account with Money Network LLC a company of First Data, around XX/XX/2020 I noticed that someone was phishing my account and I called Money Network to have them issue a new card due to this activity, I received a new card on XX/XX/2020. Then on XX/XX/2020. {$440.00} was fraudulently taken from my account to purchase gift cards, I immediately notified Money Network of my claims and started a dispute process. They issued a new card and told me that my account would be safe. I asked them to also change my routing number and account number so I was assured this would not happen again, they assured me with the new card that my account was safe and they could not change the account number or routing number. Then on XX/XX/2020 the same thing happened in the amount of {$650.00}. I immediately called Money Network and once again started another dispute process. Which again they issued a new card and refused to change my account or routing numbers. Then on XX/XX/2020 my federal tax return in the amount of {$1200.00} was fraudulently taken from my account and used to purchase gift cards from XXXX, I immediately called money network and once again I started a dispute process stating that I wanted my money refunded to me and that I wanted my account and routing number changed. Again they refused to change my account and routing number and once again they only issued a new card. Now as of today XX/XX/2020. My Federal stimulus money in the amount of {$1200.00} was fraudulently taken from my account to once again purchase gift cards. I have had to appeal these first 3 cases numerous times and have provided Money Network with documents proving that I did NOT make these purchases. Yet they continuously deny my claims stating that I am NOT providing them with enough information. I have asked numerous times to talk to the Dispute or Fraud Department directly to which they claim that it is an internal  Department and there is no direct phone number and no way for them to connect me to the dispute or fraud department. Also it is stated in their own policy and agreement : under Disputes and Error Resolutions that if more than 10 business days are needed to research the transactions they will credit the account within 10 business days for the amount in question. Which has not been done. On XX/XX/2020 I was told that all of my existing disputes were denied once again and that my account had definately been hacked.

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 2017-05-23
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.

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 2020-04-15
Company: MARINER FINANCE, LLC
State: KY
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:
Over a year ago I filed a complaint on this site with Mariner Finance.  The dispute number is XXXX. They responded saying they would remove the late marks from my report ( attached their response ) They have yet to do so. They are still calling me to do additional business with me, but I do not trust this creditor.

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 2017-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
AT SOME POINT IN TIME JP MORGAN CHASE BANK BECAME SUCCESSOR TO INTEREST ON MY MORTGAGE AND I DEMAND ANSWERS AS TO WHAT SPECIFIC DATE THIS TRANSPIRED AND FROM WHOM. I ALSO WANT TO KNOW WHAT LOAN NUMBER THEY HAD FOR ME. I DEMAND THESE ANSWERS FROM THEIR LEGAL DOCUMENTATION IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called Chase Bank back in XXXX to report a fraud made by XXXX for {$1200.00} without my approval. My account was hacked and somehow someone accessed my information and was able to approve this authorization without me knowing. The bank gave me the funds back until XX/XX/2020 when I noticed that the bank took the money back leaving my account overdraft, I called the bank the same day, the day after and next day trying to look for help and the supervisors told me they could not help me because all the information the people used was accurate. Of course it will be accurate it was my account with XXXX that was used. After I tried I was supposed to get a check from my employer and the bank wouldn't accept it. I called and they told me they were not doing anymore business with me, I noticed that the negative amount was gone and I said ok no problem and they said they were going to email me the check my employer gave me. 
After a few days I went back to my account and no amount was showing until XX/XX/2020 I noticed they posted the amount back plus extra XXXX I keep calling and they are close due to the virus and I can't get in contact with anyone. This is crazy I can't afford to be Overdraft like that I really need help my account is Overdraft by a lot now and I can't afford this during this Corona Virus crisis. 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests. 

XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

PRS never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My account is reported as late from a few years back.

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 2017-01-23
Company: Action Financial Services, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To Whom This May Concern : I took a loan in XXXX from the Dept of Ed. Today I received a letter from Action Financial Services for a default on my student loan and this is XXXX of many. I last paid {$50.00} to the Dept of Ed XXXX XXXX 2016. They stopped sending the bill. This happens after paying right before the XXXX payment which throws me back in default. I keep trying to reach the Dept of Ed to get the bill sent to : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX which is me who is typing the complain. 
They have went as far as taken my tax returns and NEVER applied then to the loans. I 'm concerned because they 'll tax my returns this year. I 'm at the point I 'm tired of fighting to get US Dept of Ed to except payment from me. 
I 'm a single Mom with a XXXX child that depends on my returns. I feel I 'm being scammed even thought I 've paid on and off for 10 years.I want a break down of all payments and I want to see where they applied my tax return. I 'm fighting a loosing battle. I 've spent hours of my time trying to do the right thing and pay my loan.I feel harassed by Action Financial Services XXXX CA XXXX. They wanted me to make payments to them when actually I was paying the dept of ed. 
I need this resolved with a break down of payments. All I want is to pay the bill to Dept of ED and not be harassed by AFS. At this point the time spent arguing to pay I should charge then hourly. I 'd love to be forgiven for this loan because of hardship and harassment. 
Please look into how I can start getting my bill mailed directly to me from the Dept of Ed Sincerely. 
XXXX Ohio XXXX XXXX ( cell Phone )

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 2015-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Revenue Recovery Corporation
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a vill for either one and I have medicaide and medicare he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have Medicaid and Medicare. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In mid-XXXX I started communicating with Wells Fargo, my mortgage lender after reading about programs to assist with mortgage payments ( etc. ) .I did not wish to enter into a forbearance program but offered, instead to continue making payments towards accrued interest and ( tax and Insurance ) escrows and commencing with the XX/XX/XXXX payment.My only option ( because telephone prompts would not connect me to a " Live '' person ) was thru e-mail.I did not get any response so I made the full XXXX payment ( P & I plus escrow ) .I followed up with a second e-mail explaining that I was not interested in forbearance ( This appeared to be the only " Automatic '' option on line ) because I did not want to be responsible ( In the end ) for accrued, accumulated or compounded interest.I stated that this was a win-win for the bank since my mortgage was less than 50 % loan to value. In mid XXXX I got my first response.It was a " FORM '' LETTER RESPONSE STATING I WAS APPROVED FOR FORBEARANCE .Another e-mail from me plus two frustrating telephone calls and several attempts to resolve the issue thru my on-line account .To date I have received three e-mail responses, each with a different correspondent.But in each case the same " form '' letter.I have begged not to get any more form letters and asked that someone actually read what I have written.Here is my complaint.It is now one month following my initial request! in 15 days my next payment is due ... except they have told me that I am in forbearance ... Something I DID NOT REQUEST. As of this time I have only Social Security benefits and would have a serious hardship to make a full mortgage payment ( {$2100.00} ) .but I can not get to speak with any one in charge or with authority .There is no mechanism, on line, to pay any thing but the full amount. If I pay nothing, they ( Wells Fargo ) will assume I have accepted FORBEARANCE ( which I never  requested ) .Try getting through to Wells Fargo!!! It is impossible!!

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 2017-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX claims that I have XXXX charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2015-06-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Wells Fargo Platinum Business Card will not allow auto payment to be setup when a payment is overdue. This prevents consumers from setting up auto payment, unless done prior to the first payment that may be late.

Wells Fargo does this intentionally, or at it's benefit of penalty interest and fees, to consumers.

Wells Fargo should allow auto payment to be setup at whether the account is past due..in order to prevent it from becoming past due.

In my situation, the first payment was received late due to the first statement not arriving in time. At no point in the next three late statements was I able to setup autopayment online after I found out ( due to Wells Fargo extremely slow mail ) it was late.

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 2016-01-26
Company: TMX Finance LLC
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I WAS CONNED- I WAS TOLD THAT THE BALANCE WOULD DECREASE EACH MONTH. I WAS TOLD THAT THE ROLLOVER WOULD LESSEN AND AFTER SO MANY PAYMENTS, I 'D BE PAID OFF- LIKE AN INSTALLMENT LOAN. TITLE LOANS DO N'T DECREASE WITH PAYMENTS- IT IS BASICALLY REFINANCED EACH TIME YOU DO N'T REPAY THE ENTIRE AMOUNT. THE REPRESENTATIVE MISREPRESENTED THIS FACT. WHENEVER I ASKED QUESTIONS ABOUT THE PROCESS, I WAS TOLD TO BORROW MORE MONEY. NOW I ASKED FOR AN EXTENSION FOR A PAYMENT AND I WAS TOLD THAT IN ORDER TO DO THAT I WOULD HAVE TO SURRENDER MY CAR IN ORDER TO PROCESS THAT REQUEST. EACH TIME I CALLED, THE MANAGER WOULD CALL SOMEONE OFFSITE NAMED XXXX AND ASK FOR EXTENSIONS, BUT HE 'D DENY THEM AND THEY WANTED ME TO COME TO THEIR SITE WITH THE VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. 
I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. 
I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. 
I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.

Company response to consumer: Closed with explanation