BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?

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 2018-06-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
IN XXXX I REFINANCED MY HOME WITH XXXX XXXX XXXXXXXX UNDER THE HAMP GOVERNMENT INSURED PROGRAM. AT SOME POINT I WAS INCLUDED IN THE PAY-FOR-PERFORMANCE PROGRAM IN CONJUNCTION WITH THE HAMP WHEREBY IF A BORROWER PAYS THEIR MORTGAGE TIMELY EACH MONTH IN ANY GIVEN YEAR, YOU WERE AWARDED XXXX OF TAX FREE MONEY CREDITED TOWARDS YOUR MORTGAGE BALANCE FOR UP TO 5 YEARS. 

XXXX XXXX XXXXXXXX CREDITED MY BALANCE FOR THE FIRST TWO YEARS OF PAY FOR PERFORMANCE INCENTIVE PROGRAM. THEN XXXX BEGAN SERVICING THE LOAN AND CREDITED MY ACCOUNT FOR AN ADDITIONAL 2 YEARS. THE LOAN WAS THEN TRANSFERRED TO NATIONSTAR NOW D/B/A/ MR. COOPER . MY FINAL XXXX INSTALLMENT WAS DUE IN XX/XX/XXXX. FOR THE LAST 10 MONTHS, I HAVE BEEN CALLING NATIONSTAR/MR COOPER FOR THE FINAL INSTALLMENT ON A WEEKLY OR MONTHLY BASIS. NATIONSTAR HAS MADE MANY EXCUSES FOR NOT PAYING THEIR OBLIGATION CLAIMING LACK OF DOCUMENTATION. THIS IS BELIED BY DOCUMENTS I MYSELF AND XXXX REPEATEDLY SENT THEM ON MY BEHALF. XXXX   TOLD ME IT IS THEIR STANDARD COURSE OF BUSINESS AND LEGAL REQUIREMENT TO ROUTINELY TRANSFER ALL LOAN DOCUMENTATION TO SUCCESSOR LOAN SERVICERS, INCLUDING ALL ORIGINAL DOCUMENTS FROM XXXX XXXXXXXX XXXX. 

FINALLY, NATIONSTAR ADMITTED IN ITS XX/XX/XXXX LETTER THAT THE XXXX CREDIT WAS DUE PROMISING POSTING TO MY ACCOUNT BY XX/XX/XXXX. THERE HAS STILL BEEN NO PAYMENT AS OF THIS DATE XX/XX/XXXX. WHEN I CALLED THEM, THERE WAS NO EXPLANATION FOR THE ADDITIONAL FAILURE AND REFUSAL TO PAY. 

NATIONSTAR HAS JERKED ME AROUND FOR 10 MONTHS OVER THIS CONTRACTUAL GOVERNMENT-SANCTIONED OBLIGATION ON THEIR PART WASTING HOURS OF MY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Students Come First
State: NJ
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:
I called XXXX to find out about the status of my loan and what to expect for repayment. The representative asked me if I was interested in forgiveness. I pre qualified so said yes. They connected me to a third party but did not inform me they were not affiliated with the federal government. The third party did not inform me they were not connected to the federal government. The company is Students Come First. I did sign the paperwork for forgiveness, but once again I thought this was coming through the Federal Government. 

They do not answer their phone calls. Im trying to get a response using email. 


I need to stop the transfer of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I became aware that there was some problem with my PayPal account the first of XX/XX/2020. I received the following alert, " Theres a problem with your account. Be sure to resolve it to restore full account access. '' I then received the following notation to my account, " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I attempted to phone their customer service with no success. I then messaged then the following request, " Hello Again, I have attempted to contact you by phone and message and have received no response. You have limited my account and you have not provided me with any reason why you have taken this action. I have done nothing to warrant this action and have been a customer for 17 years and have had no issues. I will pursue additional action through XXXX and FTC and Homeland Security as well as any financial institutions listed in my account to further  investigate your company practices as there appears to be some breach of your system and my continued account in good standing. I am requesting your reasons in writing for this action as I have no clue why my account is restricted or why you have denied me access. XXXX XXXX '' I continued to look for a response or correspondence and have yet to receive any justification for their action. Further, I can't use and of their services and they have and continue to lock me out of deleting my bank and credit card information. 
I have no idea what prompted their action as I have been a responsible customer for many years. 
As I have tried to investigate and research to obtain an explanation I have discovered that this arbitrary action by PayPal has happened to many people and has been problematic for retailers on XXXX. 
I appreciate any help you can provide to assist me. 
Thank you, XXXX XXXX ( PayPal Acct. I.D . XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOEING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2017-09-25
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Imperial Recovery Consultants, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from XXXX XXXX XXXX in 2019 and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother XXXX. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had XXXX hour to pay. I do have a payday loan that I owe on from 2019. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-06
Company: National Credit Adjusters, LLC
State: CA
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 XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-05-05
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank is reporting erroneous lates on my credit file. These lates are from XX/XX/XXXX and XX/XX/XXXX. This account was closed and paid back in XXXX ... I don't understand where these lates are coming from. These lates have damaged my credit severely and i need them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
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:
During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: BARCLAYS BANK DELAWARE
State: MN
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 rewards from credit card

Complaint:
The Barclaycard US claims that it gives direct statement credits for travel related expenses, which they list to include hotels, air fair, car rentals etc. They used to actually give these rewards. Now they have stopped giving them with the excuse that the charges aren't 'coded ' properly. However they do not say what the correct code is, they can not tell me what the wrong code is and the the vendors I have talked to about this say that they have no idea what the card company is talking about because they aren't coding their charges any differently. 

I've had many examples of this happening, but to give just one : on XX/XX/2021 I stayed at the XXXX XXXX XXXX XXXXXXXX in XXXX MT. Clearly this is a hotel. Yet the charge wasn't credited for the rewards category. I called customer support and they gave me their now standard nonsense excuse about the coding.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX XXXX a-d Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2019-01-05
Company: Security Credit Services, LLC
State: IL
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:
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I spoke with XXXX ( employee IS XXXX ) in case number XXXX on XX/XX/XXXX. I deposited {$1000.00} in my account when I had {$640.00} positive. My balance was over {$1700.00} when I went to bed. Today I woke up with my balance {$350.00} positive after I had a few payments taken out and I realized the bank took {$140.00} in overdraft fees, when my account was not negative when I deposited the money. I was told that was due to the deposit being made after XXXX etc but my mobile app, the ATM nowhere it said I had a negative balance. Then they explained to me that debits are taken before any credits, so if I have payments posted the payments will be taken out of the account first, then ( even if I have balance in the account!!! ) they assess how much money I had before any deposits. Its a very predatory calculation to do because it leads customers to think they have money in their account, but not according to the way Fifth Third posts the translations. I was told they wouldnt be able to reverse the {$140.00} in fees and Im here to ask for the love of God to get this back. Ive been working part time since our restaurant is shutdown and doing carry outs only and even though this {$140.00} may not seem a lot but its literally our weekly grocery. I dont know what else to do, its a total desperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMSHER COLLECTION SERVICES XXXX : {$240.00} ORIGINAL COLLECTOR : XXXX XXXX DATE OPENED : XX/XX/XXXX  My credit has been damaged due to a fraud account with the use of my name and personal information with a XXXX point drop. I am very upset. My name and social security number has been compromised through fraudulent activity with XXXX I called XXXX and spoke to XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) we both discovered that the account was fraudulent and not mines. She was made aware of my business account with XXXX in good standing. She took further action to call the 3rd party collection company Amsher Collection Services and let them know of the account not being mines and the fraudulent activity with XXXX She spoke to a representative and they made the decision to open a fraud claim because XXXX told her the account wasn't mines. The representative with Amsher Collection Services tried to refer us to the fraud department but was unable to get in touch with a representative in that department. She proceeded further to give XXXX the attorneys number who handles claims for fraud. When we called they stated they couldn't speak to the XXXX rep so XXXX hung up and I proceeded to tell them what happened and gave them my name and amount of the bill on my credit report stated above in the amount of {$240.00}. She stated there wasn't an account in my name nor in their database to open the case. 

Furthermore, I wasn't contacted or notified about this account via mail from XXXX or Amsher Collections Services before being placed on my credit. Nor do I have an account number to reference this account with these stated companies. My rights and identity have been compromised and violated without my permission. I would like this account to be removed from the 3 credit bureaus with an immediate recourse of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexus for years now has been giving insurance companies inaccurate information causing my premiums to go up They have already done this before telling people a not at fault accident was my fault in the past. Now they have changed a speeding ticket from XX/XX/XXXX to XXXX so they can keep it on my record and my insurance went up XXXX dollars because of their lies I cant actually get ahold of a human being about it there either Everything is automated and we will have someone get back with you in 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, my PayPal account was taken over by an unknown individual. The individual transferred over {$5000.00} from my bank account a XXXX XXXX XXXX XXXX to PayPal. The individual then transferred the cash into Bitcoin and transferred the bitcoin back to cash to a debit/credit card not belonging to myself. I immediately noticed the activity and contacted the bank and PayPal to make them both aware of the fraudulent activity occurring in my account. PayPal eventually block the account and issued credits back to me in the form of Bitcoin for several of the fraudulent transactions. I appreciate the credits however the unknow individual used cash from my account to purchase Bitcoin. PayPal acted as though I had made the transactions on my PayPal account and issued credit back in the form of Bitcoin as though I purchased the Bitcoin. The main problem with this is that the credits don't match the transactions within my bank account, and PayPal has never provided an accounting of how the credits were issued. Two transaction for {$910.00} and {$400.00} where disputed directly with my financial institution and temporary credits were issued ; however, those credits expired after 1 month. Neither PayPal or my financial institution has taken ownership of those two transactions and continue to point the finger at one another. PayPal claims that my bank issued permanent credit. I have attached the banks statement to PayPal in which they show that a permanent credit was not issued only a temporary credit for the dispute. I read online that it is a a common banking practice for a temporary credit to be issued during a dispute. I have spent countless hours attempting to get my money back for the remaining two transactions. Multiple cases have been set up and closed and many phone calls have been disconnected or not returned. I immediately made everyone aware of the transactions so that they could be stopped and instead months later I am still fighting to have my money returned.

Company response to consumer: Closed with monetary relief