BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 at XXXX XXXX  I called Performant to ask for more information that would validate the debt is mine and detailed tax account transcripts and tax transcript. According to the notice sent there is a 30 day period from receipt of the letter. Received on XX/XX/2020 although dated XX/XX/2020. 
Spoke with XXXX XXXX # XXXX. XXXX was more interested in making sure she had collection information that would enable Performant to collect the debt instead of honoring my request to send information that I have requested. 
I requested a fax number where I could send a letter disputing the debt and the collector ignored my request and continued to state her claim that I owed the debt and how much. More interested in gathering my contact info. 
I should not have to verify information before I validate the debt is mine and the amount is correct. 
Under collection laws any acknowledgement to amounts is validation to the debt. The collector was trying to validate the debt, instead of setting it up for me to receive the information requested. 
The date of the letter is XX/XX/2020, it was received XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020, I mailed a letter requesting investigation for inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.

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 2020-05-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I applied for a new Mastercard Perks for BJs Wholesale that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my XXXX   report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the Comenity Bank and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at BJs grand opening at which their district manager gave me a gift card for the hassle ( so BJs know about this ). I got the card in early XXXX. I reached out to XXXX  by email and explained to them, who you would think would know better, that they told Comenity I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX   account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX of XXXX I received a letter of satisfaction from a court stating my debt was paid. A couple weeks later the company called stating I still owed and I said the court said that I do not owe anything as I received this letter of satisfaction. Later the agency called again stating they will garnish my wages if my debt is not paid. 

On XX/XX/XXXX I get a call from the Agency again so I went to let my HR know who was on the phone. She then shows me a letter from the courts with the " Garnishment of wages. '' I am unaware that the company is doing that or of any court dates. As well as I have my letter of satisfaction why am I still being sued for a debt I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: H & S Financial, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Bank of America age discrimination on auto loan XX/XX/2020 loan amount {$26000.00}. 
Loan approved in XX/XX/2020. 
Loan denied XX/XX/2020 Credit score XXXX On time payments 500+ Semi retired never missed a car or mortgage payments Bank of America discrimination method is to discredit elders who pay bills on time. Bank makes more money on higher interest rate customers

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 2020-11-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: First Advantage LNS Inc.
State: MD
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 again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX-Direct deposit for {$770.00} for the date XX/XX/XXXX was held until after XXXX XXXX  and bank did not release access to funds. Customer service and a branch manager downtown was called ( total of 3 calls ). Everyone initially said they could not see direct deposit or was employers fault FINALLY branch manager said just wait until tonight should be there by XXXX XXXX. Why are they holding funds for a full business day-same employer has deposited check for 6 years XXXXAutomatic bill pays for XX/XX/XXXX were not posted until XX/XX/XXXX XXXXAutomatic withdrawal fee of {$43.00} for XXXX of was rejected. Total transaction was {$75.00} but {$43.00} was setup to come from UMB account. At that time UMB account was over {$800.00} but they did not pay. Fee from merchant charged. 

Also here is email from XXXX : Instant Transfer payment Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$75.00} USD Reason : Your bank reported a problem. Please contact your bank 's customer service. If you still need assistance, you may contact XX/XX/XXXX Check for {$240.00} not cashed balance was $ XXXXthis resulted in a fee from UMB and other bank Also should of been paid on XX/XX/XXXX this is deposit they held until after XXXX XXXX  and historically paycheck for last 6 years always posted Thursday night before XXXX before this week. 

All these also happened after I filed an official complaint against the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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: Account status incorrect

Complaint:
XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.

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 2019-06-20
Company: Screening Reports Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX  notified me of a hard hit against my Credit score when i have not applied for anything. 

Scring rpts on XX/XX/2019 XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-10-04
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 received the annual Escrow Account Disclosure Statement. 

The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. 

At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. 

XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. 
Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.

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 2018-07-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. 

Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX  XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. 

Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX   county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was never late on my XXXX. I always paid on time. I never had a XXXX XXXX account, XXXX XXXX card is not mines, XXXX is not mines, XXXX mail dated XX/XX/XXXX I never had this account please removeand the 3 accounts below. Please help me. These are not mines they need to be removed from my credit XXXX bless XXXX XXXX  Act. # XXXX {$1200.00} Past Due XX/XX/XXXX Opened {$1200.00} High Balance {$1200.00} Creditor Contact : Not Available XXXX XXXX # XXXX {$520.00} Past Due XX/XX/XXXX Opened {$520.00} XXXX Act. # XXXX 30 Days Late 12.01.2017 Opened {$540.00} High Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, our card was compromised and new cards were issued. Our card was frozen to prevent further use. 
However, the company requires two arbitrary conditions to use credit card rewards. The first is that you have to use your card to spend your rewards and that you spend more than the reward total at the time of purchase. 
For example we have {$120.00} in rewards. We tried to spend {$100.00} at XXXX using the {$120.00} in rewards. However, the card was locked thus we were unable to use the rewards. 

Now, the XXXX XXXX removed all the rewards only because new cards were issued. We didn't close any accounts or do anything. They just stole the {$120.00} in rewards. 

Additionally, the rewards are timed with expiration dates. The company is blocking the use of the rewards, taking the rewards away, and thus creating false advertising for the card rewards.

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 2021-01-29
Company: Automated Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation