BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Financial Control Service I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Service in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX. 
Approximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: M&T BANK CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately. 
Thank you!

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 2015-10-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used a trusted web page. XXXX and verified the information obtained with a consultant, them proceded to contact XXXX XXXX XXXX XXXX acting landlord of a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me some questions and send me an e-mail then I sent to see the property and contacted trought text message. Then I sent him a money gram as a deposit to the house and he sent me the lease. Today I received the call saying I was a victim of a scam. I called money gram customer service to stop the payment and They put me on hold while Been on hold the money was picked up. After i learned that i asked the costumer representative to help me put a fraud and scam complaint. He said I needed to call the police in XXXX and the police said i needed to call the police in XXXX XXXX XXXX. The police in XXXX XXXX said i needed to get information from money gram on the pick up store, id address, birthday, expiration date. Money gram refused to dscolose information and said the police needed to call them and ask for that information. Besides that i had a security question/anwser inlace for anyone picking up this payment which i never shared with XXXX XXXX XXXX the person Who picked up the money gram

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday of last week and I ended up sending {$50.00} to her by XXXX XXXX on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by MoneyGram and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: JH Portfolio Debt Equities, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my XXXX complaint against this company since they took over my loan servicing from XXXX which was modified after a Predatory Loan Settlement was reached and the new company Shellpoint added an ilegal P.M.I coverage that was never agreed upon by me and hidden from me until I discovered they had taken money out of my property tax escrow account to add their own insurance at my expense. This company stopped sending me my monthly statements ( Emailed, or Hard Copy ) and their website only show statements from 2015 for just XXXX months nothing further. They stopped being sent to me when I filled my complaint in 2015 most likely to keep me from discovering further discrepancies on their part. I am requesting your assistance as I called Shellpoint and spoke to a customer service rep there named XXXX or XXXX as well as her supervisor XXXX XXXX who refused to send me my monthly due statements. I am asking you please get involved as I have never heard of any company refusing to send their customers statements nor allowing them to be seen on the website as well. They as well tried to tell me they do n't provide statements which is a total lie as they did before my last complaint to the XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a checking bank account in Wells Fargo bank on XX/XX/2022, and later on I deposited a check through online banking on XX/XX/2022, immediately after I had done the deposit, they sent me an email that my account will be closed by XX/XX/2022 and another email that my check will be on hold. 
I contacted their customer service, they said that they have no information, and advised me to call loss prevention team on XXXX, I called them, they told me to take the physical check and try to deposit it in the branch, I went to the branch and ask them to deposit the check, they said we cant do it as the account is in transitional close status, then the branchs banker advised me to go and deposit it in another bank account. Since I dont have another bank account, I encash it from currency exchange, after few days, the currency exchange called me and said that the check was returned for double presentment as its already presented by Wells Fargo and asked me to return the money, I returned them the money. 
By XX/XX/XXXX, Wells Fargo credited the check amount in my account then on XX/XX/XXXX they withdrew the check amount as well as the remaining amount in my account and closed the account. 
After few days, I received through mail from Wells Fargo a cashier check of the remaining amount in my account which is XXXX, but I havent received the check amount of XXXX, when I called them to inquire about the check fund, they said that they have no information, the only amount released to me they can see in the system is the XXXX so I went to the branch again, the banker said that they can see that the check amount was withdrawn by Wells Fargo as per the statement of account but doesnt know where it has been gone and advised me to call loss prevention team again, I called the loss prevention team in the presence of the banker then both talked to each other and agreed that the payer has to stop the check payment from their side then Wells Fargo will release the money back to the payers bank then the payer can issue me another check. 
I contacted the payer who issued me the check and asked them to stop the payment as advised by Wells Fargo representatives ; they told me that they cant stop the payment as the check amount was already debited from their account. 
I would like to complain about Wells Fargo bank because they hold my check fund of XXXX without any reasonable right, and ask them to return it to me as soon as possible.

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 2021-04-21
Company: Specialized Loan Servicing Holdings LLC
State: MD
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 have disputed an account with SLS on XXXX  for the past six months to no avail. I have furnished to XXXX  a letter from said company stating that the account in question is closed and they refuse to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Early Warning Services, LLC
State: MD
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:
On XXXX XXXX I requested information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Early Warning Systems via certified mail. There was no response, so on XX/XX/2021, I requested that the account for XXXX be removed from my credit report, which they received on XX/XX/2021. To date I still have not received any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: DE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
FDCPA violations by Navient Corporation -- My complaint regards XXXX subsidiaries of Navient Corporation illegally contacting my sister in relation to an apparent debt collection. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call General Revenue Corporation at XXXX. '' On XXXX XXXX, 2016, my sister received a voicemail from a representative of General Revenue Corporation requesting information about me. The aforementioned phone number was provided as their callback number. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call Pioneer Credit Recovery , Inc. at ... '' General Revenue Corporation and Pioneer Credit Recovery , Inc. are both subsidiaries of Navient Corporation and they share the same mailing address. 

I have never given Navient Corporation consent to communicate with third parties. I have never lived at my sister 's address, I have never provided anyone my sister 's address as my own address, and my sister and I have never shared the same address as adults. 

This mail violates XXXX U.S.C. 1692b by communicating with a third party more than once and by using language disclosing to a third party that it 's a debt collection business. 

It also violates 15 U.S.C. 1692c by communicating with a third party without my consent.

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 2017-01-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
someone put a fake check into my account and now i am forced to pay for the damage done to the account.

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 monetary relief