BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: Recovery One, LLC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. 

" XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. 

XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My son took out a private student loan, from Wells Fargo, in XX/XX/XXXX to pay for a summer schooling program at XXXX XXXX XXXX XXXX in XXXX. This summer program would not accept federal student loans. My son 's grandfather co-signed the loan. 

After attending that summer program, my son continued his education at another university, graduating in XX/XX/XXXX. At this school, he used scholarship, grants and federal student loans. 

After graduation, we - his parents, began assisting our son with repayment and we noticed that the loan interest on the Wells Fargo loan had not deferred, while he was in school, but had continued to accrue interest. Although unhappy with the large amount of interest that had accrued, we began paying on this bill. We were not aware that so much interest was accruing, and I'm not aware that we received statements about this. Online, I can only see quarterly statements posted. 

Recently, I became aware that the interest is NOT DOCUMENTED on any of the statements we received. The interest is shown in retrospect - for the year. 

Secondly, after researching what that interest may be for a month, I realized that the set monthly loan payments ARE LOWER THAN WHAT IS NEEDED TO COVER THE INTEREST ALONE. Therefore, the bank has set up a system whereby it is impossible for my son to reduce his indebtedness and they did it in such a way as his debt will grow. 

This is a big problem for consumers everywhere. I would describe this as predatory lending - inadequate disclosure, failing to fully disclose or explain the true cost of the loan. By not listing on the statement the amount of interest that is accumulating each month, and by concealing this information, I feel that they are intentional in trying to set up a risky loan structure to make it more difficult and impossible for borrowers to reduce indebtedness. 

Especially vulnerable are young adults who have recently graduated college and might be placing their trust in a well known, national banking institution. With no interest indicated on the statement, where is there a flag for them to drill down to see if they are making progress on the loan? Like us, it may take months or years to question why they do not see a dent in their overall debt.

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 2018-04-19
Company: Eltman Law, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 submitted a dispute with Capital One about being charged for a service I did not authorize at XXXX XXXX XXXX. I had taken my car to XXXX XXXX for a flat tire repair, and authorized the {$10.00} charge, offering my credit card at that time. However, when my car was not returned after 4 hours, I found that they had erroneously replaced the tire on my car instead of repairing. I did not authorize this work, as would have been required both by company policy and state law, and refused to sign the work authorization form. However, they charged my account for {$57.00} anyway. 

Capital One has sided with the merchant because the merchant printed on their receipt, " no signature required for purchase. '' However, I did not authorize the amount charged. If I had purchased a {$0.00} candy bar and they had erroneously charged me {$50.00}, but printed this on the receipt would the merchant have been justified with siding with them in that case? No! So this argument is clearly flawed. 

Capital One has requested I provide documentation, and refused to reach out or speak to the merchant. However the only one with paper documentation, IS the merchant. Yet Capital One wont even call. 

They stole my credit card details by collecting them under false pretenses, then using them for a purpose other than I originally specified. That is fraud. Follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient never sent me bills via mail nor email. I finally contacted them after I noticed my credit score took a dive. I was under the impression that I was on forbearance. Once I placed the call to get it straightened out, they took my address, email address, and phone number claiming they had no information, only my name. How could I possibly get a loan without at least a physical address? They also told me that they would correct my account. Today I looked at my credit report and it took another nose dive because Navient made another report saying I haven't been paying. This company is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX and equifax showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AFNI INC.
State: FL
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:
The debt collection agency AFNI is trying to collect from me {$1700.00} that i do not owe and it was reported as a Identity Theft and it was erased once from my credit report and now they put it back with other collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions 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 do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, Chapter XXXX  Bankruptcy XXXX, Chapter XXXX   Bankruptcy 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 2019-02-01
Company: AES/PHEAA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was trying to cash a personal check amounting {$50.00} dollar at the Citizens Bank, XXXX XXXX XXXX, XXXX, PA XXXX this morning ( XX/XX/2018 ) by producing a my personal check to the teller -who said is also the manager of the Branch, ( name tag - XXXX XXXX ) In order to cash my own check, he asked for a Sate Issued ID. Unfortunately I did not have a state issued ID instead I gave my employer badge, issued by the Federal Reserve Bank of XXXX, that has my name and Photo ID. 

XXXX XXXX XXXX was very stubborn in insisting a sate ID or passport to get {$50.00} dollar even after he was able to verify my signature in the system and show an employer badge with Picture and name. And my account have much more than {$50.00} at this point of time. 

I feel like I am very much embarrassed, and felt like it is not a proper way of helping a customer, So I am filing my complaint with you to take up this matter at the appropriate level to 1 ) substantiate that this is strictly followed protocol of the Citizen Bank to cash out any check including a small amount of {$50.00}. 

2 ) If not, I feel like it is a targeted action by the employee of the bank. 

I even asked for his supervisor to present my situation, and he said he is the top one of the branch

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Asked state employees credit union in XXXX nc for my credit card to be increased and was told because I had a lose in my business that I couldnt get it I was told I have a great pay history but because I had a lost they can not increase my credit card 15 U.S. Code 1681g - Disclosures to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I emailed XXXX XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( XXXX, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

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 2020-06-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to use the XXXX XXXX and a XXXX XXXX to get a better control of my financials and they dont allow cross sharing my banking info, even though i logged in and provided all the encessary informatoon to release my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX, XXXXunpaid,XX/XX/2017, suspected fraud activity, my identity was stolen by someone i do not know and they created this accounts. 
reported the issue online to the social security department also filed an identity theft report online.

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 2021-01-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
the bank closed the account and forwarded me to their credit resolution department, which in turn asked me to submit documentation, and ftc report is one of them.

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 2020-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$0.00} {$750.00}

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 2018-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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 ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XXXX XXXX, XXXX. They claim that I owe a doctor for services rendered on XXXX XXXX, XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!

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