BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
The following is a copy of the letter of complaint I sent. Several follow-up calls and escalations rendered no solution. They claim they have no evidence of my having applied for the interest-free card offer ( for a term ), and therefore wo n't correct their mistake of sending me a card with interest. 

XXXX XXXX, 2016 To Accounts Supervisor, I am contacting you to rectify a situation. I recently opened a credit card with Capital One, due to the offer of added miles with a purchase of $ XXXX within a time frame, and no-interest payments for over a year. I charged $ XXXX to my new card on XXXX/XXXX/16, and received the first email copied below, dated XXXX. For some reason, the link to " make a payment '' was n't working, but I made my {$100.00} payment the following month. I had also called to ask for the specific date on which my no-interest period ends, but I was put on hold for a very long period, and no one came back to answer my question. I called back another day to inquire again, and was told that I have no offer for no-interest payments! 

This floored me, and I am very disturbed and distressed about this situation! I specifically signed up for the card, because of the no-interest offer for a period of time, and I knew I 'd need this, because I was intending to use it for the very large purchase that I 'd anticipated. It is unacceptable that my terms are now with interest charged! I was told that perhaps I had accidentally selected the wrong card offer, but I do n't see how I could have done this! I hope that this is just an error on the part of Capital One, and not a bait-and-switch scheme, which is what it feels like. Once again, it is unsatisfactory that I am now being charged interest on my purchase! I never would have gotten this card with interest, knowing that I was about to make a $ XXXX purchase! I am escalating this to you, because I need this situation rectified, to where I have no interest for the term. Thank you for your immediate assistance. 
Regards, XXXX XXXX - close of letter - P.S. On a recorded conversation, a rep looked up the offers about the time of my application, and found that the " XXXX XXXX '' card had the offer I wanted, but they sent me the '' XXXX '' card, which does n't have an interest-free offer. They made the mistake of sending the wrong card, but said they ca n't change the card now. I contend that it is their mistake ; they must be accountable and give me a card with no-interest payments for the same term.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Late fee

Complaint:
Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I OWED THE CITY OF XXXX, WI. BEFORE COLLECTION AGENCY UNDER XXXX. AFTER THIS WAS SENT TO STARK COLLECTION AGENCY IN XXXX, I AGREED TO MAKE MONTHLY PAYMENTS AS I DID NOT HAVE MUCH MONEY. WE AGREED ON A MONTHLY AMOUNT. I BELIEVE I MISSED XXXX OR XXXX PAYMENTS DURING THAT TIME, BUT I ALWAYS CALLED AND TOLD HER I HAD MONEY ISSUES AND I WOULD BE SURE TO CONTINUE THE NEXT MONTH AND SHE WAS FINE WITH THAT AND RECORDED THAT IN MY RECORDS. ABOUT 4 TO 5 MONTHS LATER THEY PULLED MY DRIVER 'S LICENSE FOR NON PAYMENT OF DEBT. I HAVE RECIEPTS FOR ALL OF MY PAYMENTS, BUT THEY REFUSE TO RELEASE MY LICENSE. NOW THE COLLECTION AGENCY TELLS ME THAT I OWE ABOUT XXXX BEFORE I SETTLE MY DEPT. I HAVE ALREADY PAID THEM XXXX. THE COLLECTION AGENCY KEEPS ON CHARGING ME WITH INTEREST, PENALTIES AND FEES, WHICH I THOUGHT WAS ILLEGAL AS IT IS NOT STATED IN MY CONTRACT. ACCORDING TO MY RECORDS, I THOUGHT I OWED XXXX BUT WHEN I CALLED TO CONFIRM MY BALANCE TO SEE IF THAT WAS CORRECT, I WAS INFORMED I STILL OWE XXXX. WHEN I INQUIRED WHY SUCH A BIG DIFFERENCE, I WAS TOLD FEES AND PENALTIES. NOW WHEN I JUST TALKED TO HER, SHE SAID IT WAS ALL INTEREST. I WAS NEVER TOLD THAT THEY WOULD KEEP CHARGING INTEREST AND FEES WHILE I WAS MAKING MONTHLY PAYMENTS. I WOULD APPRECIATE ANY HELP THAT YOU CAN OFFER IN THIS SITUATION.ANY QUESTIONS OR CONCERNS, PLEASE CONTACT ME AT XXXX XXXX XXXX. 
THANK YOU, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast XXXX hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.

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 2018-05-26
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection. 

COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rent Debt Automated has indicated in their XXXX/XXXX/15 response to my complaint that they " closed and returned the account '' ; however, they did not indicate that they removed it from my credit listings. See Attached. Rent Debt are the ones who reported the invalidated and inaccurate debt and they must be the ones who contact ALL XXXX CREDIT BUREAUS and have it removed. They have not been able to validate this debt and under the laws of the state of Texas, and the FDCPA, Rend Debt MUST REMOVE ALL REFERENCES TO THE INVALIDATED DEBT FROM ALL OF MY CREDIT LISTINGS. Please instruct them to REMOVE this account from my credit listings. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CORELOGIC INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.

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 2016-02-12
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Simons Agency has been contacting me everyday - sometimes 3 times a day - for the past year from several telephone numbers beginning with the area codes of ( XXXX ) and ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Leaving several voicemail and automated messages within the past month. A letter was sent months ago to contact them regarding a medical bill from 2010 that was passed NJ Statute of Limitations of 4 years. ( Sale of goods under the UCC : 4-years, ( N.J.S.A. 12A ; 2-725 ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: TN
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:
Equifax refuses to correct my Name on my credit report. I have sent a copy of my driver license, proof of resident, and my social security card to prove my name and that I am not a man. Equifax claims they never received my documents. Equifax has my name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Empire Resolutions Group
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calling themsleves Empire Solutions Group is using a tatic hereby spoofing their nubmer to show as a local number from my area code. The message they leave sstates to call back to XXXX but shows as coming from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: ECMC GROUP, INC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.

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 2021-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This was added to my credit report in error of fraud. 
Please remove this immediately. 
Thank You XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Account Info Tap labels for more details Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2021 Account type Collection Paid off : XXXX  % Balance on XX/XX/2021 Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date

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 2015-06-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am up to date with my payments and they are trying to sending foreclosures paperwork it got messed up when escrow paid my insurance XXXX now I 'm having trouble they keep asking for more money I do n't no what to do I have all reciepts through my bank I keep calling them at least once a week but they r rude and I get no where. Greentree is my mortgage company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- 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 explanation
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: ID
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.

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