BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: DISCOVER BANK
State: DC
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:
Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. 

I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX  and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. 

XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. 

I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent  Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! 

Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. 
I needed the money at the time & didn't notice the amount of interest. 
I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A.R.S. 12-548 ( A ) ( 1 ) specifies a contract in writing that is executed in Arizona State.

Section 609 ( e ) ( 1 ) of Public Law 91-508, Fair Credit Reporting Act, strictly prohibits  reporting information for which there is no copy of application or substantiating signed document. 

As it stands, Wakefield & Associates are currently in violation of Section 621 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act.

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 2020-05-15
Company: Accounts Receivable Services
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX Account REceivable Services has repeatedly called friends, telling them my business, calling and threatening to have me arrested, and sued, and seize all my belongings. This began on XX/XX/2020. I have told them to stop calling me, and stop calling my job and my friends about my personal business, but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call repeatedly during work hours and make false statements to try and get me to sign up for their features. They call before the payment due date every day until the payment is made. This month they began calling 2 days before the payment due date during work hours ( calls began XX/XX/XXXX - payments are due the XXXX - by their own rules i have 20 days from the due date before a payment is late ). I am not allowed to use my phone at work. When I got in contact with them ( XX/XX/XXXX ) I asked why they were calling so much before my payment was due they said that it was because they were ready to take my loan out of default. I said that was great and I would be calling back in the next few days to make my payment. They told me they would advise me about the status of my loan when I made the payment. They continued to call XX/XX/XXXX & XXXX during work hours. When I made my payment XX/XX/XXXX they tried to get me to sign up for their paperless notifications. I declined. They had no knowledge of the conversation where I was told about my loan coming out of default and said i started receiving the calls before my due date as a reminder. I asked to speak to a supervisor and asked them to listen to the recording of the conversation on XX/XX/XXXX. Today XX/XX/XXXX I got a call back and the person I spoke to confirmed that I was told my loan was ready to come out of default but I was told simply that the person who spoke to me had made a mistake and not looked up my payments and that I was still months away from my loan coming out of default. I was also told that he saw where I had asked previously to to get called repeatedly and he simply didnt know what happened. I have asked them repeatedly to stop calling so much they always claim that theyre sorry and they dont know what happened but theyll fix it and as soon as the next payment date approaches the calls begin again. Every month they have a new excuse for calling me and are constantly trying to get me to approve autopayments or paperless billing. Ive had trouble looking for work and in the past when payments were late for longer periods they have called my parents and siblings trying to reach me. Its incessant and unnecessary and has caused my family and my self a lot of undue stress.

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 2019-03-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school I attended is no longer in business. I have NEVER been told about forgiveness options for my loans ; only given forbearance/deferment options. I pay {$80.00} to {$100.00} a month toward my loans, yet somehow I am still behind, with NO option to lower my payment so that what I am paying matches up with my monthly amounts. I get up to FIVE phone calls a day about the delinquency of my account. Once a month I get a mailbox stuffed full of letters from Navient about my account. I want to know what are my rights as an attendee of the now defunct XXXX XXXX   and what my responsibilities are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted via phone to collect debt, never received a debt collection letter from XXXX  XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this information.

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 2021-06-24
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as XXXX  XXXX XXXX  and CKS PRIME INVESTMENTS is attempting to collect as XXXX XXXX.

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on 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 2018-09-10
Company: EQUIFAX, 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:
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt reporting on my credit for an account that is not mines. I have no knowledge to where this debt originated from nor have I authorized anyone else on my behalf. This debt does not belong to 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 2018-06-20
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company is U S Bank I have submitted my financial several time with thin the last year and a half, and request for a mortgage modification. I have been turned down several times. I recently received a wage increase from my employer. I want to keep my home. I have resubmitted the request for mortgage modification with financials as of XX/XX/2018.

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 2018-06-20
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a call from a restricted number, so I let it go to voicemail. 15 minutes later I get a call from my wife telling me she received the same call and it was from an Independent Process Server named XXXX XXXX, from XXXX XXXX County. She was informed I would be served papers tomorrow, and if I had any questions to call XXXX and provide the case number she left. 

I called the number and a woman answered and asked how she could help. I stated I received a call from this number. She said that they do not make outbound calls. She asked if I was given a case number, which I proceeded to give her. She said since the papers were set to be served tomorrow, she'd have to go grab the hard copy and put me on hold. She came back and wanted to verify my information starting with my Social Security number. I informed her I would not give this information, and started asking questions about her company. She became very defensive, but did tell me the name of the company was XXXX. I said I couldn't find any information on the company when searching by name, or phone number, and she said " that's how you know its not a scam. '' I proceeded to tell her it was a scam, so she told me good luck with my papers being served tomorrow. 

I called back 15 minutes later, after doing more research. A different, male employee answered this time. I asked for the address to the company, which he said was XXXX XXXX XXXX, XXXX, TX, but I did not catch the XXXX XXXX. He also made it very clear that they do not make outbound calls from this number. I disconnected shortly after. 

From what I can tell, a fake Process Servant calls from a restricted number and basically tells user they will be served papers tomorrow unless they call the XXXX number her/or she provides. Forcing you to call the " debt collector. '' Bottom line, I have NO debt in collections, or close to it. This is a complete scam

Company response to consumer: Untimely response
Consumer complaint received 2019-02-18
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2018-09-10
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: Investigation took more than 30 days

Complaint:
Equifax has failed to respond to several disputes submitted to them on the following dates : XX/XX/18, XX/XX/18, and XX/XX/18 it is currently XX/XX/18. Equifax also failed to notify consumer within 5 days for an additional 15 days of time. Here are the following tracking numbers for XX/XX/18 XXXX, XX/XX/18 via XXXX XXXX, XX/XX/18 XXXX none of these disputes have been responded to via mail or any other form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was interested in applying for the Chase XXXX rewards credit card. I saw in the website that there was a {$95.00} dollar annual fee. Before I applied for the Credit card i reached out to Chase via @ CHASESUPPORT on XXXX  my handle is XXXX XXXXl and asked if the annual fee would be charged upfront when applying for the credit card. They stated that annual fees are charged on the anniversary date. I now noticed the fee was charged upfront and reached out to Chase again. They have stated that they did not make a mistake even though their is a clear communication record indicating they indeed made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX   via CFPB. 
Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. 
I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. 

Dates : XX/XX/18 Submitted original complaint. 
XX/XX/18 Company responded with their findings. 
XX/XX/18 Sent certified mail reply to company with my findings and explanations. 
XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18

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 2019-05-23
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a service from XXXX XXXX XXXX in XXXX, PA. XXXX billed my insurance company and there was a {$130.00} charge payable by me. XXXX sent the bill to the incorrect address and I was not aware of the debt until the bill was sent to collections and I was called by : Transworld Systems Inc. Systems Inc , XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX Acct # : XXXX Upon learning of the debt I immediately paid XXXX for the charges owed. As a result of XXXX XXXX   flawed billing a collection was opened and reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I attempted to make a purchase online and I realized I didn't have funds available. I immediately contacted XXXX XXXX  and reported that I didn't authorize any transactions done on my account. They told me they had immediately put a stop on my account and a hold on both pending transactions in the amounts of {$52.00} transaction # XXXX and the second of {$310.00} transaction # XXXX. They told me to call XXXX which was where the pending transactions were from, to put a hold there as well. XXXX did their part and held the transactions. XXXX told me they would refund me my money within 2-5 business days. The days passed and there was no refund so I called XXXX XXXX  and I asked them if they had received the funds and they stated that they had not. I called XXXX once again and they said that they had already placed the funds in my account. I called XXXX XXXX  once again and asked them to send me a new card so that I could see when my funds were going to be deposited since they had canceled the one I still had. When I received the card I saw that XXXX did not send me my funds. I called XXXX and said I hadn't received my funds even though I had already received my new card. They stated I had to speak with their manager and so I did with a translator and he told me I had to file a dispute with XXXX XXXX  in order to receive my funds. By this time 2 months had already passed. XX/XX/XXXX XXXX XXXX said they would send me an email so I that I could file my dispute online, but I never received it. I call them and tell them I had not received the email and they stated they would resend it. I received that one XX/XX/XXXX and fill it out and send it by mail. 15 days later I receive a letter dated XXXX XXXX stating that they have completed their investigation and that my claim was outside of the recovery effort timeline and that I no longer had a right to recovery. 6 days later on XX/XX/XXXX I receive a check from them in the amount of {$5.00} which was my remaining balance. I call them and asked why had they canceled my dispute and they said that there was absolutely nothing they could do for me. They insisted I call XXXX and ask for my funds back. So once again i go ahead and call XXXX and they tell me that they do have my funds, but that they need XXXX XXXX to send them my dispute to refund me my funds. I called XXXX XXXX for the last time and told them what I was told by XXXX and they said they couldn't help me. So now i'm here after this whole run around.

Company response to consumer: Closed with explanation