BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter in the mail from McCarthy, Burgess & Wolff ( MB & W ) stating that they are a debt collector attempting to collect a debt from XXXX. I immediately called them at XXXX and spoke to XXXX XXXX. I disputed the debt and asked for additional information. Between the dates of XX/XX/XXXX I repeatedly called MB & W at the same number requesting updates and continuing to dispute this charge. I also spoke with XXXX numerous times and was advised over the phone and in writing that I do not owe them any money. I provided all this information to MB & W verbally and via email. Repeated calls to MB & W resulted in the same answers where they confirmed that they had received my information and were waiting to hear back from XXXX. On XX/XX/XXXX, I received a letter ( .pdf attached to an email ) from MB & W subject of a debt verification notice. I called and spoke with XXXX again and she transferred me to XXXX XXXX ( who I have spoke to before during this process ). XXXX identified himself as a supervisor. He acknowledged receipt of the information I provided from XXXX and stated that " for some reason that is not enough for them to close this debt. He further went on to state that people call all the time and say they are n't responsible for debt and until XXXX provided them further information this was going to sit in collection with MB & W ''. I believe that I have sufficiently proven that this is not my debt, therefore, I am opening this complaint against MB & W.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a Checking and Savings account with Citizens Bank. 
The Checking account had deposits every 2 weeks and the Savings, with about {$15000.00} in the account was, left to gather interest. 
On XX/XX/XXXX, I tried to access funds in the savings account and was unable. That day, I drove to my local branch and they informed me that the Savings account had been " Frozen ''. The teller informed me that the local branch was unable to access or unfreeze the account and it must be done by Corporate. 
On XX/XX/XXXX -after a 1hr 2min call with Citizens Customer Service they informed me that the Savings account had be frozen due to " inactivity '' and that they would unfreeze the account. The account would be unfrozen at midnight on XX/XX/XXXX. 
The next day i went online only to discover i was unable to transfer money out of the account. 
On XX/XX/XXXX, around XXXX, I drove to the local Citizens Bank branch to access my money. The teller informed me that the Savings account was " Frozen '' and they were unable to access or even close the account. 
On XX/XX/XXXX -at XXXX, while still at the bank, I called Citizens Customer Service . After being on for 1hr 2minutes, the Customer Service Representative was unable to help me and hung up ( or i was disconnected ). Either way, very frustrating. 
On XX/XX/XXXX - at XXXX, I contacted Customer Service XXXX around XXXX, they informed me that they were able to Unfreeze the account, but that it would re-freeze at midnight that night! They informed me that a local branch could access my funds. 
On XX/XX/XXXX - around XXXX, while still on the phone with Customer Service XXXX i drove to a branch that was open until XXXX. The local branch confirmed that the account was still Frozen. The Customer Service agent on the phone informed me she must have been mistaken that the account was unfrozen and would need to transfer me to a supervisor. 
The Supervisor informed me that she did not know why the account was frozen! " Perhaps its just an error? '' she suggested, but that it would have to be unfrozen by someone in " the back-office ''. After a long time on hold, she informed me that they could not reach anyone in the back-office and that Monday someone should be able to help. 
The supervisor refused to send anything in writing or even provide an email address where i could write for help. The only thing she was willing to provide was there Legal notification " Citizens - Attn : Office of the Chairman '' One Citizens Bank Way, XXXX, RI XXXX As of today, XX/XX/XXXX, i still can not access my {$15000.00} and have no options except wait and hope that " someone in the back office '' is able to unfreeze my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: AES/PHEAA
State: CT
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:
Good Afternoon, I am writing to you as I do not know where else to turn. I have already tried several times over the past year, spending countless hours on the phone with Fed Loan Servicing to resolve this issue and emailing them as well. I am part of the Public Interest Loan Forgiveness Program and have contacted Fed Loan multiple times to correctly update my " Qualifying Payment Count '' to the accurate amount. All of my Employment Certification Forms have been submitted and uploaded by Fed Loan, and are even listed with the correct dates in Fed Loan 's letters that they send me, yet they still have an inaccurate number of Qualifying and inaccurate amount of eligible payments listed, keeping me at XXXX qualifying payments when the number is actually over 90. They estimate my forgiveness in the program to be XXXX when it is actually no later than XXXX. I have been in this program since XXXX making on-time monthly payments while employed full-time for qualifying employers that have been APPROVED by Fed Loan, yet they still do not update my payments despite countless requests, responding only with generic language from their website when I submit complaints through writing, and providing inaccurate information over the phone. The only time I did not make on-time payments while employed full-time by a qualifying employer during the past 11 years was for a brief period of 1 year total ( respectively one period of 8 months not working and another period of 3 months not working ). where I was not working. The only other time I did not make payments was during Covid when I was working for a qualifying employer but the amount was waived for all those in the Public Interest Program. I was told by Fed Loan Servicing that these {$0.00} payments would count since I was working full-time for a qualifying employer. They STILL have not been updated as qualifying payments in my account. 

This has been going on for over a year, and they each time fail to submit accurate counts. They also fail to provide a SPECIFIC timeline of days or a specific date of when I can expect to receive an ACCURATE updated payment count. Any help in resolving this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Balance is {$800.00} from pro collector and original credit name is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: SUNTRUST BANKS, INC.
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:
On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank. 

In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance. 

On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ). 
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ). 
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ). 
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ). 

I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Maximus Education, LLC dba Aidvantage
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:
I just recieved in the mail my first contact by aidvantage who i didnt know was going to be taking over from XXXX XXXX With XXXX  I was almost complete in the process of having my loans forgiven. When I opened the letter it welcomed me to aidvantage and stated my payment schedule for the first payment due on XX/XX/2022. I received this letter *first contact* on XX/XX/2022. I logged on to this new account and see that I am past due and and missed 1 payment! What. Payments are suspended until XX/XX/2022! Also my payment schedule is XXXX dollars a month when I have been paying XXXX dollars. I am XXXX, XXXX, and am a military XXXX. I am filing a complaint with you, the state board, XXXX, and the cfpb. I want any missed payments removed and expunged from record and I want any reporting to credit bureaus reversed. I want my loans to be forgiven or discharged immediately. 

Desired Settlement : Billing adjustment ; Correction to a credit report ; DISCHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! Experian stated they sent updated credit report on XX/XX/XXXX, however I have not received any documentation from Experian how this information was verified. And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information. Experian is still reporting inaccurate information.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: MI
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 sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Reference number : XXXX Date Filed : XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I XXXX XXXX have been on a medical leave since XXXX I not able to work and waiting on SSID for help. I have been receiving false information from a DEBIT COLLECTOR SINCE XXXX. FOR A CREDIT CARD I DON'T EVEN HAVE THE COMPANY IS CALLED NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Colony Brands, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made my first payment with this company. When the second payment rolled around, I called in to see what payments extension options they had for COVID related issues. I was informed that they would push my current amount due out for 60 days and assured me there would be no payments reported late. Unbeknown to me, I checked my credit reports recently and saw that they in fact did report my payments late and that they are not even recording my initial payment as being paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX  account # XXXX, Has violated My Rights 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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) Address-XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX XXXX ) ADDRESS- XXXX XXXX XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX  XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: The Regional Adjustment Bureau, Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The number has repeatedly called asking for information about a family member. The person would not identify themselves or who they worked for when asked. The calls are not regarding any business of my own, but continue. I had to google the phone number just to find the name Regional Adjustment Bureau , Inc. The most recent call was today, XXXX, at XXXX.

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 2017-10-30
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: NV
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 have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.

Company response to consumer: Closed with explanation