BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.

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 2020-08-29
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1st I was scammed by XXXX XXXX XXXX and then Sallie Mae and now you Navient. Since XXXX XXXX XXXX broke the law, and admitted to it during the proceedings of their class action lawsuit, former students are entitled to apply for a Borrower 's Defense Discharge, which makes them eligible to have all their related student debt wiped out.class-action lawsuit filed on behalf of 2,200 students at the for-profit cooking school is on its way to settlement, with XXXX XXXX XXXX. I have been paying on my school loans {$500.00} a month for 13 years. 

This is ridiculous. I received an email from you guys in XXXX stating that no payments would be due until XXXX which is aparently a lie because my account is now thousands of dollars past due. I have had enough and him financially burdened and can't do this anymore the hardship is overwhelming. I can not make another payment and will be filing bankruptcy if I need to. I believe all my loans should be discharged and considered paid and full. I have been paying for 13 years and this is enough. 

Technically speaking this should have been gone a long time ago with all the lawsuits that both Navient, Sallie Mae and XXXX XXXX XXXX have ancured. But you are the one who most recently screwed up my account with this covid stuff and the no payments due till XXXX. Start by adjusting and fixing the mess you made from this year and then we can finally talk about the rest. I would be open to a small settlement to clear this without lawsuits proceedings hearings and all that XXXX. Once you get the account current I'm sure we can come up with something. I will keep an eye on my account for It to be up to date. 

But the information is not acceptable. The original in my I received said that the loans would not be due till XXXX and were not made clear that this was not for all the phones. I even received an email as early as a couple days ago that said no money was due and XXXX balance. Please fix this issue to make the account 's current or you will not see another dime from me ever. I will still be keeping an eye on my count for the changes to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I requested Equifax send me the method of verification that they used to verify the inaccurate XXXX XXXX XXXX account they claim was investigated. The dispute was opened and then closed and I didnt get any correspondence from them. I dont owe XXXX and I want it deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2020 my loan file was transferred to XXXX XXXX at Benchmark Mortgage. Benchmark Mortgage is located at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. Mrs. XXXX already had most of my file because she received it before. Immediately Mrs. XXXX directed me to 2 assistants to help. She almost took herself out of the picture instantly. I thought that was strange. There wasnt any information that was requested from the assistants to me that caused a delay but IRS transcripts due to COVID-19. My loan officer refused to communicate with me. It was so bad that she didnt even tell me my first closing date set or discuss I was having a closing date. I was sent a text my the sales agent. Furthermore, when closing date arrive she didnt tell me or my realtor that it was pushed back. We were headed there and found out it was pushed back. I tried to reach out to Mrs. XXXX supervisor to report the discrimination that I felt was coming from the loan office and her incompetence in handling my loan. At this time I find out Mrs. XXXX took a vacation. She didnt say Im going on vacation you need to have this or this will happen etc. Im waiting on Mrs. XXXX to get back from vacation and realized its been a while. I checked on the home we were applying for and realized it was back on the market and my contract was cancelled on XX/XX/2020 and this was XX/XX/2020 when we were finding this news out. My realtor and I was not aware that this was happening or even a possibility. I contacted the XXXX XXXX to let him know that I felt discriminated against and the loan officer was incompetent the entire time she was handling my loan. Mrs. XXXX used a COVID-19 tragedy that affected my family as an excuse why she didnt want to bother me. However, this incident couldnt affect her actions at all because this incident occurred shortly before my contract was cancelled. Furthermore, that is unfair for her to make that call by assuming that. Why would I want to be homeless and going through personal family issues. She then said she called twice but didnt want to keep calling me. Again she didnt have the right to make a call like that and not take to me a out issues with my loans and give me the opportunity to correct or explain any issues. I pulled my phone records and have no VM or missed called from Mrs. XXXX. I experienced discrimination for who I am from Mrs. XXXX/Benchmark from the beginning and I know its because of who I am. Her incompetence in handling my loan caused me to lose the home. These actions are unfair and I just. I had a right to know everything about my loan and if it was any issues. I had the right to be given the opportunity to supply was was needed or give and explanation. I was suppose to be treated unfair for who I am and discarded of like trash.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ).

The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met. 

Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms. 

I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.

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 2020-08-29
Company: U.S. BANCORP
State: TX
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:
In XX/XX/2019 a payment was made through my bank bull pay system which was confirmed but in error never processed and I was never notified. By the time aware, payment issue resulted in late pay being reported. I have attempted many times now to have someone at Elan understand that while not their error, it was a bank error to which my bank admitted and provided a letter. I am only asking that someone at elan understand the issue, realize this was not a customer error, and in understanding the situation remove the late payment reporting. I have never had a 30 day late payment prior nor since. Elan did reverse a late payment charge, but that does nothing to update the impact the late payment reporting had on my credit. I am simply asking that someone at Elan take the situation, understand this was a bank error in processing my payment to them, see that I have never been 30 days late before ir since, and decide to take the appropriate and sensical steps to remove the late payment reporting caused by the bank error which the bank confirmed in the letter sent by them to provide to elan attached.

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 2020-01-23
Company: EQUIFAX, INC.
State: UT
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:
For some reason, one of my active accounts is no longer showing on my report, which affects my credit score. XXXX XXXX with a credit limit of {$5000.00} is only showing on XXXX. Please put it back on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, we filed chapter XXXX bankruptcy in the Federal Courts of XXXX Indiana. After the case was filed, Credit Acceptance pationed the court to have the vehicle returned to them. The vehicle was in the state of California, they were told where the vehicle would be and to pick it up. A week went by and the bank did not pick up the car. The apartment complex where the vehicle was, had the vehicle towed. The company that towed the vehicle tried for many months to contact the bank to let them know he had the vehicle. The person that towed it put a mechanic 's lien against the car for towing and storage fees. After the required time the person that towed the vehicle had the state of California crush the car. Credit Acceptance never made an attempt to secure their interest after pationing the federal court. Now in XXXX, Credit Acceptance brings a debt garnishment suit to the state of Wisconsin and is given said garnishment for a debt that was suppose to be settled in federal court. They are garnishing my check for the balance owed, even though they never secured there interest in the pation that was given in federal court. Our bankruptcy case was dismissed 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 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: MedRecovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sold my credit and put it on my credit report yearl resulting in negative score. The debt is old. So I dont know how it continues to show up as new every few months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Receivables Outsourcing, Inc.
State: VA
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:
I receive several calls regularly from XXXX stating they are calling from Receivables Outsourcing LLC. The message states that it is a communication from a debt collector and to call XXXX. I have no knowledge of this company and I should not be able to be contacted via phone per an identity theft investigation. 

They have called a total of 8 times in XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: FinCo Services Inc DBA Current
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid debit card with Current. In XX/XX/XXXX many different fake companies like XXXX XXXX  XXXX, XXXX, XXXX, was charging my account. I did everything I was supposed to do including getting another card to stop this. I filed a complaint with current and they said they investigated this. I dont think they did because I just got another charge on my account yesterday XXXX XXXX, XXXX @ XXXX XXXX  at XXXX XXXX. I live in XXXX, CO. and we dont even have a XXXX XXXX. I told Current right away that this is not me and please look into it. I want it to stop. I just received a new card not that long ago from other problems. So there should be no reason why my card should be being charged. Plus I dont have a balance. When I talked to XXXX from Current she said I cant file a complaint just get a new card and I will get it in weeks. I told her no because I'm going to get unemployment again and I dont want to wait that long for a new card. She did it anyway without my permission. Now I have to wait because I cant change my card on unemployment at this time. This has been a continual problem with this card since i got it early last year. Even if I change my card it continues.. I dont know what is going on.. I even investigated these charges and sent them the info. Nothing came of it. I just know that my money keeps being taken and they do nothing about it.believe it or not. as i was doing this complaint another charge tried to come through and they cancelled my card.. unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.

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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Well I had some charges disputed they didn't credit me for the right transactions that they were suppose to

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 2018-02-07
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.

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 2021-11-04
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit reports, I found an excessive amount of medical collections on all 3 of my credit reports. These collections do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: KEYCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.

Company response to consumer: Closed with monetary relief