BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call at a phone number ( XXXX ) that is new to me. I 've had this phone number for less than one month. As soon as I received this phone number it was placed on the 'do not call ' list. On XXXX XXXX, XXXX at around XXXX XXXX I received a call from XXXX. A message was left not indicating who they were attempting to contact. The message indicated it was from Argon Agency that was attempting to collect a debt ( again not indicating who they wanted to contact, just that wanted money ) and to call back at XXXX and reference file # XXXX. 
There are no debtors at our number. There in no legitimate business reason for this number to call us. Please enforce the 'do not call ' list. Legitimate companies would identify who they are attempting to contact. If this is a 'shake-down ' from anyone who answers the phone ( not a specific person regarding a specific debt ) please refer to appropriate law enforcement agencies for criminal investigation.

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 2021-03-24
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ data contacted my mother, they never sent any mail, did not attempt to contact me directly, and did not tell my mother that the call was due to a collection. Therefore I was never notified in any form as to me owing a dept, my options to dispute it or anything pertaining to verifying the debt. The only contact I had was when I reached out to them with no knowledge of who I was calling and what the matter was about and have not received anything since pertaining to this said collection. They now will not comply with my request and terminate all phone calls I make in attempts to handle the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.

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 2018-01-31
Company: Merchants and Medical Credit Corporation, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: IA
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 balance transfer

Complaint:
On XX/XX/18 I requested 3 balance transfers from my new Chase account.

2 of them were posted and paid to my other accounts. 1 has been charged to my Chase account, but has not been posted to my other credit card.

I took screenshots and right up to the point you click 'transfer money ' there is no indication this would be lengthy process or how long it takes.

As of 5 business days later I'm told it can be 21 days before my bank receives the payment and 30 days before Chase will do anything about it. Then they will issue another check that can take 21 days before my bank gets it. So, I'm on the hook for thousands of Dollars while Chase has me charged for it for close to months.

The state they can issue a stop payment for the check, but will not do it. This conversation was on a line that Chase states is recorded.

I was on the phone for an hour repeatedly asking as polite as possible, " I am asking you to issue the stop payment now ''.

They state, " we are unable to do that ''.

My response, " You just told me in 30 days you will issue a stop payment '' They state, " In 30 days, we will issue stop payment and issue a new check and you will have to wait 21 days for processing '' BIG QUESTION : What happens if they don't get it the second time? Clearly at some point they CAN issue a stop payment - they are refusing to do so.

CONCLUSION : They screenshots do not state any timeframe for length of time. Therefore, one would conclude that industry standard for transfer would occur. 21 to 30+21 more days is definitely not industry standards. This seems like a loophole to have consumers charged large amounts of money before balance transfer/payments are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

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 2022-02-11
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the bank on several occasions to dispute fraudulent withdrawals and debit card transactions. 

They are the following : XX/XX/2021 {$290.00} XXXX XX/XX/2021 {$500.00} XXXX XX/XX/2021 {$840.00} XXXX XXXX XXXX All 3 transactions are fraudulent and the bank is refusing to put the money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: AES/PHEAA
State: GA
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: Problem with personal statement of dispute

Complaint:
Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was 0, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX company, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: GA
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:
First, and Foremost, my Problem is not with The Creditors, it is with the XXXX  XXXX and Equifax Scores, and the fact that each and every week XXXX and Equifax keeps decreasing my Credit Score. On XX/XX/XXXX, I Leased a New XXXX XXXX XXXX, and at the same time Traded/Turned in a XXXX XXXX XXXX, which had 4 months remaining on that Lease and a balance. 
The XXXX Dealer accepted the XXXX, and sent a Full Payoff, which included the remaining 4 Months, to XXXX XXXX XXXX ( XXXX ), Account Number # XXXX, which they Posted as Paid in Full, and Account Closed on XX/XX/XXXX. 

XXXX/Equifax continues to Decrease my Credit Scores Each and Every Week for No Reason? I understand a One Time decrease for the Credit Inquiry on the New XXXX XXXX XXXX, and the Fact that I opened a New Loan/Lease? But, what gives XXXX  and Equifax a right to continue to decrease my scores weekly? 

To add to this I have made Payments to XXXX XXXX XXXX on the XXXX XXXX XXXX, and to XXXX XXXX which have not been recorded by XXXX or Equifax and Neither Company has not increased my Scores, neither Did XXXX/Equifax Increase my Scores for the Payoff from XXXX XXXX to XXXX XXXX XXXX of over {$2600.00}. XXXX, to Pay Off the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have spent 13 years paying our mortgage which was originally from XXXX XXXX XXXX. Despite all the years of paying Ditech the current carrier of the mortgage stretch the mortgage to 40 years and we owe way more than we should be owing. We are confident that the mortgage company manipulated our numbers. It has cost us economic hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( Transunion, XXXX and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. Transunion inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

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 2022-02-11
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In early 2019 I received a new debit card from Chase because my previous was expiring. The card was a " Chase Saphire Banking '' card. In the envelope, there was a note congratulating me on receiving the card, and a list of perks that came with it. Two of the perks were no ATM fees and no international transaction fees. Since receiving the card, I've been withdrawing money from ATMs, and using it while traveling abroad. A few months I noticed that none of these fees were being waived. I asked a banker at Chase in-person about this, and he said " don't worry, it will be credited at the end of the month. '' A few months later, I noticed the fees were still there. Total fees were ~ {$150.00}. I went in to the branch again, and they told me that my checking account was actually a " Total Checking Account '' - not a Chase Saphire account. They had no idea how I was able to receive the Saphire card, because it's only available for accounts  with $ XXXX. They said there were no notes in the account that showed the account was ever transitioned to Saphire, or that I would be receiving the card. The banker begrudgingly reversed the fees after saying it would be a " waste of his time. '' I'm filing this complaint in the off chance that this wasn't a fluke, and that other consumers may have also received this card and are unknowingly using it and collecting fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, The colorado unemployment services issued electronic deposit into my account with Current Bank for the amount of XXXX, the payment never applied to my account. I was sent several payments by CDLE and this one never posted. I have filed over 25 complaints given them proof including a letter from the CDLE to Current including in the letter a trace # for the electronic deposit. My account ending in XXXX with current Bank routing number is XXXX, acct ending in XXXX, and the trace # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making additional payments on my loan, above and beyond my minimum monthly payment. I have requested these payments go toward my principle balance only in order to reasonably get out of my own debt quicker. However, the company informed me that Unfortunately as outlined in your promissory notes we must first apply payments to accrued interest, then to any fees ( if applicable ), and finally, to the principal, your daily interest accrual is {$4.00}. 

I do not doubt that this statement is correct. However, I believe this practice and policy directly violates my rights. Here is a relevant quote from the Consumer Finance website : All student loan borrowers have the right to make extra payments ( known as prepayments ) at any time, without any fees or penalties. If you can afford it, paying a little extra each month or making a lump sum payment towards your principal is a great way to lower the total cost of your loan. Not only do you pay down your debt faster, but you save money on interest charges over time. 

This company is denying me the right to do just so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.

Company response to consumer: Closed with explanation