BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.

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 2018-12-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been dealing with navient for the last 12 years trying to get my payments down am I lying down the amount on my loan is the same amount from the day1. I took out a loan in XXXX for XXXX this is XXXX the amount I owe is still XXXX I've been paying {$200.00} a month every month. I stopped paying them about a year ago because I couldn't afford it anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: ABR Recovery Services LLC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Could not verify my debt, did not recognize amounts, would not provide address or information to verify if they were legitimate, left voice message threatening to come to my residence or place of employment, acted very suspiciously and made notion of it being pre-trial remediation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: NC
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 contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I currently have multiple student loans with Navient which are all under my name and my name alone, recently I fell behind because my husband lost his job and I am providing for my whole family including a newborn. Navient has told me there is nothing they can do to help me at this time so the loans are being paid as I can pay them. Recently on XX/XX/19 Navient has started to call my Mother about the status of the loan and trying to contact me, my Mother is not co-signer on the loan and has no responsibility to pay back the loan on my behalf. Navient had reached out leaving more than 1 message for her on her personal cell phone. This company is harassing my family now over an issue that was addressed with them but they could not do anything to help. Feeding my child and keeping my home is where my money is going first and then to Navient as I can, I feel as if this company has and does use illegal tactics to harass borrowers and at no point should be contacting my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Absolute Resolutions Corp.
State: CA
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:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} ABSOLUTE RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} ABSOLUTIONS RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX  UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
First Notice from Rash Curtis Assoc On XX/XX/XXXX, ( received XX/XX/XXXX ) letter with an attempt to collect a medical bill from XXXX XXXX XXXX XXXX  located in California. Rash Curtis provides client ID # XXXX for {$39.00} date of service XX/XX/XXXX. I replied with a dispute on XX/XX/XXXX. To inform XXXX XXXX the medical bill is a fraud never lived in the state of California. 
Second Notice On XX/XX/XXXX ( received XX/XX/XXXX ) letter in an attempt to collect a medical bill from Rash Curtis to collect a debt from XXXX XXXX XXXX located in Texas for the date of XX/XX/XXXX for {$28.00}. I replied with a 2nd attempt to dispute the medical bill. The notice had the same client ID # XXXX. Again replied the medical bill is a fraud and never had any services with this hospital group. I also include a letter dated XX/XX/XXXX with fraud alert notice of data breach with my identity information from XXXX XXXX XXXX. I did proceed to contact all three credit bureaus to put a fraud alert on my identity. 
Third Notice On XX/XX/XXXX, received on XX/XX/XXXX, Rash Curtis again, the third attempt with original services located at XXXX XXXX XXXX XXXX, Texas. 
On the third attempt, Rash Curtis Associate again is demanding payments with a threat to damage my credit for the date of XX/XX/XXXX. The location had changed from California to XXXX, TX which is over XXXX miles apart. 
However, Rash Curtis has changed the location of the states and the medical reference name but with the same client ID # XXXX to make their collection legal to collect this fraudulent medical billing debit. I had informed Rash Curtis Associates of this error to collect this medical debit and it is a fraud. But Rash Curtis is still sending letters attempting to collect an old medical bill from XXXX. Before the four years, the collection will be invalid. 
I have never received any previous medical billing from the client ( s ) XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have made all payments but its insanely high. They refuse to lower and interest builds at alarming rate. Its a black hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday XX/XX/2018 I noticed I had lost my Barclays Credit credit card, when I logged in to check for any activity there was fraudulent charge in the amount of {$3500.00}. I proceeded to call Barclays to notify them of what had happened so they cancelled that credit card, issued me a new one and opened a fraud investigation for the amount of {$3500.00}. 

On Wednesday XX/XX/2018, I get a call from Barclays fraud department indicating they have concluded the investigation and all the information they have align to the charge being legit and they verified it was me. As you can understand my outrage, how can they have verified it was me, when it was not. What has this company done to protect my interest as a consumer? They are in turn, falsely accusing me and holding me accountable for fraud activity on my card instead of protecting my interest. 

Now I went online and notice my credit limit of {$10000.00} has been reduced to {$4000.00} when I have been a client of Barclays for many years, never been late, paid off credit card a few times. i also hold many credit with high available credits of more than {$20000.00} such as XXXX, XXXX XXXX XXXX, XXXX,  XXXX, etc yet they have no problems with me nor have reduced my available credit card.

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 2018-01-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX On XX/XX/XXXX I made payment of {$1000.00} thru PayPal to XXXX XXXX XXXX and purchased a laptop. I haven't received the laptop yet and seller is not responding to me. I did complain the issue to PayPal and PayPal put a lock on the seller 's account but PayPal is not giving me any details not refunding me the money either. 

I would request you to look into this case. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact me.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, TRANSUNION. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these 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 2019-05-16
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018 I received a notice from XXXX that XXXX XXXX XXXX had flagged my account as Collections. The information provided stated this was an Attorney/Collection Dept. provided an address & an amount of {$230.00}. I have never been contacted by this company, never have they tried to collect a debt from me. I have no idea who they are or why they think I owe them money. Not only do I not recall this company, but I have not incurred any debt with anyone for the amount they are reporting to the credit bureaus. 
I have contacted this company using the information provided to me by XXXX and XXXX, months went back, and I never received any validation, or anything for that matter. I then filed a dispute with all three credit bureaus, it has since been removed from XXXX & XXXX. XXXX claims they validated the debt, but I can not get anything. 
This company has violated my rights under the FDCPA, not only was I never notified of their attempt to collect this debt, I also didnt get the opportunity to dispute it before it was reported to my credit report. I have been battling this for several months now, seeking validation, and none has ever ome. According to Section 809Validation of Debts of the FDCPA, Debt Collectors must stop collecting/reporting until validation has occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fifth Third Bank reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this fifth third should have reached out to me via phone and by writing a letter 5/3 reported a late payment to my credit which dropped my score 80 points I called 5/3 and was told they never received the payment but how the agent informed me that 5/3 was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been trying all week to withdraw {$14000.00} in cash that is in my Robinhood Account online. 

Each time I try to withdraw, the company returns a message that reads " Account withdrawal disabled '' and sends a message saying something about the withdrawal failing. I never disabled withdrawals from this account and have no clue why this is happening. I tried to withdraw on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time is returns this message. I even tried to link another bank account and it still returned the same message. 

I have emailed their " customer support '' after each attempted withdrawal. I have received no response from anyone in their company, and have no other way of getting in touch with them. 

My family and I have been planning on using this money towards a down payment on our first home purchase which we have scheduled for this Friday, XX/XX/XXXX. We need access to our money, which Robinhood is not returning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Southern Management Systems Inc.
State: TX
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 a XXXX  at XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX and successfully completed a leasing agreement with XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX . Years later when I checked my credit report, I found they had reported a Predatory Collection ruining my credit score by claiming I owed them {$2800.00} and sold the claim to a collection agency. I had 3 roommates during this time and there is no way after completely paying for my 12 month stay, that I can be charged another {$2800.00}. XXXX XXXX XXXX  today states they have no record of this claim but fail to correct the falsified report against my credit. This is a scam that needs to be investigated to see if this is tied into the XXXX XXXX XXXX system and if other students have experienced the same predatory practices. How much is XXXX XXXX XXXX  getting paid to sell inflated student debt to third party collectors who put pressure on students with locking up credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I filed a complaint with Bank of America on XX/XX/2021, about a XXXX fraud. I also filed a complaint with IC3 Internet Crime Report, and FTC Federal Trade Commission report number XXXX. I also made a police report with my local authorities. I waited for Bank of America to do its own investigation with no positive outcome. I just found out about CFPB, if not I would have reached out to you sooner. 
I XXXX  XXXX  customer service on my phone, and it gave me a phone number to call, stating that it was XXXX  company. I thought I was speaking to an XXXX representative. I spoke to a gentleman about fixing my XXXX. He said he can help me repair my XXXX over the phone, so I trusted him. He was very convincing, he told me that my phone was hacked and there was someone trying to get into my account, that's why my phone was not working correctly. He gave me steps to do over the phone to protect myself from being hacked into my personal account and my Bank of America account. He asked me if I have been to Florida I said no. And that the scammer was located in Florida. He told me to go into my account right away and press numbers in, to protect myself from the scammer. He told me that the only way to go was in my XXXX account and gave me numbers to press. That I had nothing to worry about. That was the only way to block the scammer. After I realized what was happening, I had sent the fake XXXX representative {$2400.00}. He told me not to worry, that the money was going right back into my account right away. Then I realized it was a scam when I didn't see it back into my account. I cant believe I got scammed out of {$2400.00}. I don't have much money and I feel so bad that this had happened to me. I am very upset with XXXX for allowing scammers on their website. It was the first website that appeared when I XXXX  XXXX  Customer service.

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 2019-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I dispute this Collections account with Equifax fours Times over past 6 months, I reported this account a to the credit bureaus this account was deleted from XXXX and XXXX   however it remained on my Equifax credit report. I have attached all four disputes and I have attached Letter from XXXX saying that they sent a request to the credit bureaus deleting this account. I have exhausted all my options to dispute this file with Equifax but they refuse to delete this account from my credit report. This account was some how deleted on XX/XX/2019 then added back again to my account XX/XX/2019 and every time I call and talk to Equifax Costumer Service they have no knowledge that this was ever done which is an understatement to me because it is reporting on my credit report which is attached for those dates and secondly reporting on a third party website XXXX XXXX. Next I sent in this dispute by mail and Equifax responded that they where unable to find my account which is also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information. see the attached letter from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation