BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Equitable Acceptance Corp
State: CA
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:
In XXXX 2016 I was contacted by XXXX XXXX XXXX about consolidating my student debt so that my loans would be forgiven. I was misinformed about the way they were going to handle the debt. I was told that I would pay {$39.00} a month for 3 years, which would go towards my loan and then all of my debt would be forgiven after that. I started to receive statements from XXXX saying that i owed them {$0.00}, so I did n't think any foul play with the company was going on. I had also started receiving messages from Equitable Acceptance that they are the ones who I was actually paying the loan through. One year goes by after me making faithful on time payments to Equitable Acceptance then I received a letter from XXXX for a {$330.00} payment. I call Fedloans to see what was going on and they tell me my account has been past due for months and there were no payments made to my loan. So I called Equitable Acceptance and demand that my accounts be cancelled since I believe they were a fraud company. They told me that my accounts could not be cancelled through them that I would have to go through XXXX XXXX XXXX. I call XXXX XXXX venture many times with no answer, just an automated voice system telling me to leave a message. I called Equitable Acceptance back and they " put me right through with XXXX XXXX ''. I demanded my account be cancelled and they told me it would be within 24-48 hours. I also stopped payment to them through my bank and filed a dispute with the credit bureaus since this was listed on my credit. I also requested from both Equitable Acceptance and XXXX XXXX XXXX my " signed consent '' since I have yet to receive a contract. I am waiting to see what happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/19 I received calls at XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. No messages left at all. 
On XX/XX/19 I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. No messages left

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
I was contacted by planning folders to place an ad in a folder that would be distributed to a local facility that rents out for weddings. They said it would appear for one year in their folders and would be {$370.00} for one yer. They would design the ad and I would have a proof. A few days went by and they called and said they could offer year 2 for the same amount. I said ok. The ads and proofs never came t be. I contacted the CC company but they first put it in fraud but then moved it to dispute. They now are unwilling to work with me even though I have provided all the 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 monetary relief
Consumer complaint received 2020-10-29
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I transferred money through WesternUnion and money was deducted from my account at the same second. After a few minutes i got email transaction was not approved by the bank and to call the number behind my card.

I called bank and they confirmed money was transferred at the same time and there was no delay from their end.

Then i called WesternUnion and they said they have got the money but they can not process the transaction and it will be refunded to my bank within 7 working days. I borrowed that money from a friend to send my family. My brother had accident and they immediately needed money. WesternUnion union claims on their ad, website and apps that money will be transferred within 2 minutes even their hold music is send money to your loved ones within 2 minutes No help from the staff and they kept on saying i have to wait 7 working days.

I understand the policy but i was told to call the bank because they need approve the transaction and i checked with bank and it was a lie. 
They were unable to give any reason for declined transaction. 
I even have my bank statement showing the money was gone to WesternUnion account. Who is liable for the delay and hassle their stupid website and false claims have caused. 
I dont want it to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: HomeTown Lenders, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: Immediate Credit Recovery
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. 

i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. 

i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. 

i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? 

i will not be hired if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX and Experian are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in 2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2018-04-02
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I'm getting XXXX out of {$140.00} by discover. 

I called discover customer service in late XX/XX/XXXX to clarify how to process a price protection with my card for a couple of TVs I wanted to purchase. I was told I would only need my receipts, a billing statement, and an advertisement for the lower price. Limit XXXX  per transaction and limit XXXX  per year. So this will work for me because I was going to make two separate transactions and submit two separate claims because one was a gift. 

After filling out the forms, waiting a month and seeing my " approved '' requested amount for {$320.00} x2 with their price protection view portal I received a check for {$320.00} & {$180.00} ... 

I called discovers customer service again who transferred me to a completely separate company who handles their benefits who now told me that there is also a limit of {$500.00} per day. 

I then ask where I can view the full terms of service as it wasnt on their website when you login, the only thing there is FAQ and another spot detailing the service but nothing about a XXXX per day limit. 

I asked the company if I could return the TV using the return protection that discover offers and they told me that I can't because I had already used price protection on the TV. 

I asked to speak to her supervisor because she keeps mentioning him, and asking him questions about my claim. She puts me on hold for a minute and comes back on and says I can do the return gaurentee but it has to be mailed back to them new in box. Then asked if there is anything else she can do like I didn't ask to speak to her supervisor. 

I never got my other XXXX  dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.

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 2021-11-12
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A contact of the debt collection company They disclosed what procedure was done at the doctor 's office which is invite direct violation of hipaa And they did not notify me of the debt or give me time to dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have tried for 3 days in a row ( XX/XX/XXXX thru XX/XX/XXXX ) to access either web site or a customer service person for Equifax to put freeze on credit account. Equifax website continually gives " error '' message and phone calls are never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Bull City Financial Solutions, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have requested multiple times through XXXX XXXX, XXXX  and Bull Financial the validity of in item on my credit report without any proof or confirmation. We have disputed an item from Bull City Financial Solution # XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # XXXX and have even called on a number of occasions and still no documented proof of this negative mark on my credit account. This item was place on my credit report on XX/XX/XXXX for {$110.00} and since then I have been denied credit ( s ) and has effected my right to credit etc. I have requested from all parties XXXX XXXX, Bull Financial, XXXX documented proof of such bill or to have it removed accordingly. I have stated that this bill is not mine as there was a XXXX XXXX residency issue where we received two bills as there were more than one resident showing on XXXX files for our legal address and then was corrected by XXXX XXXX but now it appears this issue/debt was passed onto us. As stated before we believe this is not our bill and have demanded/requested we see this bill / debt validity before paying from all parties with the account detail from the month we were in residency to the final month of residency to confirm this debt that we are disputing shows this valid amount and not just a rollover of this issue into our credit etc. Here are our contact listed : XXXX XXXX XXXX   XXXX ( spoke to XXXX ) File Number : XXXX and reported XX/XX/XXXX and again XX/XX/XXXX first dispute and second dispute closure. As a result XXXX XXXX states they can only confirm the accuracy if Bull FinanciaXXXX states it is valid and not actually verifying the actual debt. This does not make a debt valid by verifying only one side without actually verifying the debt as we are the ones disputing this item and have the right to see a debt as valid before paying. 

We also contacted XXXX XXXX XXXX and they stated they can not provide proof and must go through credit debtor Bull City Financial # XXXX for files confirmation. 

We contacted Bull City Financial XXXX ( spoke to XXXX with no resolution and no evidence of said bill disputing ) as he states can not provide proof of such debt and we have waited since XX/XX/XXXX to today XX/XX/XXXX and have to receive any confirmation of said debt or proof of its validity and refuse to pay this debt without this proof as out rights to pay a debt is being violated and forced to pay an unknown debt or have it remain a negative mark on my credit report. 

I am filing this report as none of the entities described above can provide proof nor remove from my credit report and attempting to bypass my right to confirm and pay or remove as an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 receive a summons from court from Portfolio Recovery Associates XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our home was severely damaged during hurricane Florence. Our flood insurance went into effect and we received the insurance check for {$86000.00}. The check was issued to us and DITECH. We endorsed the check and mailed it to Ditech as requested by Ditech. Ditech received the money on XX/XX/2018. All paperwork has been submitted to Ditech that was required of us as homeowners. Per Ditech, the check has been issued and is to be sent to use for need repairs. We have yet to receive the check at this time after several time frames and delays have been stated by ditech. Our XXXX has started good faith repairs and has since had to reschedule do to the hardship of lack of payment. My family and myself are currently residing in a camper as our home is unfit for habitation, these delays have been truly inconvenient and unnecessary. Such delays have increased the exposure time of our home to hazards ie mold and mildew, increaseing further repairs and damages. Ditechs lack of communication and release of funds provided by our insurance company, has cause increased time frame for completion of repairs and possible loss of acquired XXXX. 
Any assistance that can be rendered for this current situation would be helpful, we do not know what other routes to take to return to our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/EOS CCA We returned the XXXX equipment and requested the service on hold. However XXXX claimed that they did not receive the equipment from us and receive the request for " Hold on service ''. 
Now several years later, EOS CCA has been sending a invoice of {$870.00}.

Company response to consumer: Closed with explanation