BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. They called me the first time  at XXXX XXXX   and the again at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the emergency room listed on my medical insurance card. I paid my copay. About a year later I got a bill from a collection agency with limited info about what the bill was for. I called and they said it was for an ER visit about a year ago. I paid the bill with my FSA. A few days later i received an email from our payroll company questioning the validity of the charge. I called the collection agency and asked for a description of the charge to provide to my payroll company as I needed to prove it was for medical expenses. They said that I would need to obtain this information from the creditor. I have not been able to get a hold of the creditor and have been put off by everyone else involved. The debt collector said its not their responsibility to provide me with this information. This bill was for a private contractor doctor who never submitted it to my insurance or myself. I never received a bill. The first time I received anything in regards to this was from a collection agency! This seems to be unethical at best. Now my payroll company is threatening to suspend my FSA and my wife is XXXX XXXX XXXX XXXX XXXX in less than a week. I XXXX the company who sent my debt to collections and they have lots of negative reviews from other people experiencing the same problem. They never send a bill, just send people straight to collections! There is something wrong with both of these two parties and they are working together to overcharge consumers. I have spent about 2 hours  every day for a week trying to obtain a receipt from this charge to provide my payroll company proof this was a valid charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}

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 2020-06-05
Company: Medical Data Systems, Inc.
State: AR
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:
Medical Data Systems was sent a letter asking to validate the alleged debt from Arkansas XXXX XXXX. Medical Data Systems did not adhere to the REQUIRED 180-day waiting period from when the alleged debt was supposedly acquired as outlined by law that details that it may not be reported to any credit bureau during this time. Furthermore, Medical Data Systems is in violation of HIPPA guidelines as I DID NOT consent to medical and XXXX XXXX to be shared. Lastly, Medical Data Systems did not provide an opportunity for me to ask them for validation of the alleged debt during the waiting period. 

Additionally, Medical Data Systems has been very unprofessional and believes it is being comical by signing a certified mail card " Covid-19 '' instead of the representative actually acknowledging receipt of the letter sent ( see attached ). Millions of people have been affected by this pandemic and it is no laughing matter.

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 2018-06-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
My name is XXXX XXXX. I am a current Chase customer with two chase credit cards. One is a Chase Freedom Card account ending in XXXX it was recently changed to XXXX and the other one is a XXXX Chase Card account ending in XXXX. Recently i was a victim of multiple non- authorized purchase because i never authorized any of those transactions. One account ending in XXXX had a total purchase for {$8300.00} and the other account ending in XXXX for a total amount of {$2700.00}. Recently i have disputed the both amounts with Chase and explained to them what happened and they submitted a claim on my behalf for both accounts. Time passed and i received a result for one of my disputes for account ending XXXX saying thank you for letting us know about the use of unauthorized use regarding your credit whichever transactions identified as unauthorized will be rapidly eliminated from the account. After receiving that letter for the account ending in XXXX i waited to hear a response for the other account ending in XXXX i never received anything. So yesterday i went to the bank and spoke with a teller and inquire about my dispute for the account ending in XXXX they personally told me that Chase will no longer be covering the unauthorized claim for the account ending in XXXX even though the dispute came in my favor for account ending XXXX. They have also mentioned to me that it was because they found out that all the purchases done from the dispute came from my home address and was advised to contact the CFPB to see what can be done about it. What i dont understand is if they claimed that all the unauthorized were done from my home address why would one Dispute be in my favor and the other wouldnt. In this complaint form i have also attached the result of one the outcome for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We just opened a mastercard through community bank. We made a few small purchases for gas and BJ 's warehouse and then used it for a catering service. I tried calling to pay for these purchases right away on XX/XX/XXXX. I could not access my account online or via phone. I was repeatedly disconnected after hearing an automated service each day I called. I was not able to access any part of their website. I continued to get " there's a glitch in our system '' responses. I wanted to make sure I knew our account balance and paid it in full ASAP. We do not like to carry any sort of balance and I just opened the card to have as an extra form of payment for an upcoming vacation. I was finally able to make an " XXXX XXXX '' payment on XX/XX/XXXX. My total balance was XXXX. I paid that amount. I received XXXX emails in a row stating that my payment was scheduled. It has not posted to my bank account yet. I also have XXXX new pending charges that I can not find any information on. I tried calling again this morning ( XX/XX/XXXX ) only to hear an automated voice tell me I have a XXXX balance and {$7.00} pending???? I can not find out what or where these charges came from and can not speak to a person. I am beyond frustrated and can not believe the poor communication on the end of Commenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent a Cease and Desist letter to Portfolio Recovery Associates because they continuously call my cell phone when I am at work. I have attempted to block their numbers but they have many different numbers from multiple states and they just call from other numbers. This is for debts that are past statute. I disputed them with the Credit Reporting Bureaus and had them removed from my Credit Report. The Cease and Desist letter was dated XX/XX/2018. It was sent certified mail. The return receipt was signed and dated XX/XX/2018. I received letters from Portfolio Recovery Associates dated XX/XX/2018, stating they were closing my accounts. I have continued to receive phone calls from them, the most recent just a few minutes ago from a new number I haven't seen before and once again at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: TN
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:
identity theft.

unauthorized inquiries on report.

in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-06-07
Company: Collection Bureau of America Ltd.
State: KS
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 sent 4 times by fax all of my fraud documentation, including proof of my account opened with the FTC fraud department. this company refuses to remove this account off my credit report. the refuse to send me the paperwork regarding this account, so i can file a police report. i can '' t purchase my home until this item is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a medical debt that should have been paid by medicaid but it wasn't. Now i have not one but 2 duplicate collections on my credit report from different companies for a debt that i never should've had to pay to begin with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 I used my bank 's bill pay to pay my electric bill for {$260.00} and accidentally put the amount on the wrong line. I got a late charge from my electric company. It went instead to my Citi Sears credit card. I had a XXXX  balance due on this card and it is a closed account. I have been trying for months to get them to return my XXXX balance. i keep contacting them ( 6 or 7 times ) and they keep telling me the check is being sent to me but it never arrives. I check my mail every day and am so frustrated, I really need the money. I don't know what else to do. the card number is XXXX XXXX XXXX XXXX. the name on the card is XXXX XXXX XXXX. Pleas help

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 2020-11-04
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have no idea who this person or persons are! I have resolved quite a few accounts this person/s has opened in my name. This is one of the last accounts I need to resolve!. I never apply for credit cards I never thought it was possible and above that have no desire to get myself into debt! I do not have one credit card and I pay cash for everything I own. Or use a pre paid debit card to pay for a couple of things online. I am a single mother who's income is low and I survive on what I can afford. Who ever is defrauding your company is getting away with it and leaving me holding the bag! I have never heard of this company before I found it on my credit report. I can't believe someone could spend {$1100.00} in my name and get away with it! This is with Original Creditor : XXXX XXXX XXXX, XXXX  CURRENT OWNER : MIDLAND CREDIT MANAGEMENT INC. PHONE NUMBER : XXXX WHO SENT A LETTER OF DEBT THAT IS IN MY NAME FRAUDULENTLY ON XX/XX/2020. I REPORTED FRAUD TO XXXX XXXX ON XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi there, I received an invitation from BBVA Compass to open a checking account betweenXX/XX/XXXXXX/XX/XXXX for a {$200.00} bonus after direct deposit within 60 days. I applied through the link provided by BBVA onXX/XX/XXXX, and had my first direct deposit from employer onXX/XX/XXXX. Multiple representatives from general customer care, marketing and underwriter department confirmed that I am eligible and would received the bonus beforeXX/XX/XXXX.

By today, XX/XX/XXXX, I still have not received the bonus, and the rep over the phone now found the excuse that the account was approved on XX/XX/XXXX regardless my submission on XX/XX/XXXX. The delay was due to the high volume of application and slow review process from BBVA. I was informed multiple times that as long as I submitted the application before the deadline, XX/XX/XXXX, i would be still eligible. Now BBVA tried to avoid its own obligation with this lame excuse. This is not the right way to do business. At this moment, I need to seek help from CFPB.

Thank you very much, XXXX

Company response to consumer: Closed with monetary relief