BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-17
Company: QUALITY ACCEPTANCE LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I Purchased XXXX XXXX XXXX in XXXX. In XX/XX/XXXX car was repossessed with balance around {$11000.00}. XX/XX/XXXX, after viewing my credit report, I saw the balance at {$23.00}, XXXX. I called Quality Acceptance to see has the vehicle been sold. She said it was sold a month after repo ( XXXX ) for {$16000.00}. I then asked why wasnt I sent sale and/or deficiency notification as required by law and why was the balance {$23.00}, XXXX with {$250.00} in interest per month. We stated she could make payment arrangements with me for balance.Once I asked for proof that the legal process was followed and notices were sent ( sales information, fees, deficiency notices ) the call was dropped. I tried faxing and emailing and both were blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

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 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
We all know the this pandemic got more then half of the country on unemployment and there is a XXXX going on. Even though the crisis going on I was trying to still keep up with my payments the account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: AES/PHEAA
State: NC
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 am a part of the PSLF program ( public service loan forgiveness ). I am a XXXX in North Carolina. Upon review of my certified payments through XXXX Servicing ( XXXX ), I noticed a discrepancy and called to speak with a representative on XX/XX/XXXX. I was told I needed to go online and fill out a contact form. I immediately did that with the discrepancy information. They have 6 months of qualifying payments missing from one of my certified documents and another 9 qualifying payments from another. All I received were confirmation emails that they received my concern and would contact me " as soon as possible. '' I waited and sent additional emails on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails have gone unanswered other than one of them on XX/XX/XXXX when I mentioned I may need to seek legal counsel, to which a representative named XXXX replied that " We are currently reviewing your qualifying payments for Public Service Loan Forgiveness.  This is a manual process and can take a great deal of time. We understand it is frustrating to wait, and we apologize for not having a precise time frame for this process. At this time we have many requests of this nature and are working as quickly and accurately as possible to satisfy all requests. '' Other than that, I have received no response. I'm concerned that my loan forgiveness is not only inaccurate but that I have virtually no recourse in how long or even IF my payments will be corrected as the customer representatives will not speak with me about it and no one will email me back. It's preposterous! How are they able to deal with government-backed loan programs and run a business like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
WRONG SSN XXXX  : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX. 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2018-06-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My phone has been ringing off the hook the entire month of XX/XX/XXXX. I receive phone calls every day, multiple times a day from a company called " Diversified Consultants '' a debt collector, for a debt that I do not owe. 

I have repeatedly blocked the numbers calling me, and the very next day after blocking the numbers calling me, I will receive calls from a new number, but from the same company seeking a debt that I do not owe!!! Every single time they call me phone, they never ever leave a voice mail, but they continually call me day after day after day with new phone numbers. 

As of XX/XX/XXXX at XXXX XXXX E.S.T., I have been called a total of 21 times, by 13 different phone numbers, all of which belong to Diversified Consultants. 21 times in 29 days ... That is beyond excessive and absurd, and to make matters worse, I DONT OWE THEM ANY MONEY, NOR IS THIS A DEBT THAT BELONGS TO ME! This is a SCAM! 

I am contacting my attorney and filing a lawsuit for harassment, and as soon as this is published, and they are notified via XXXX XXXX XXXX XXXX, they will be also receiving a certified letter in the mail, notifying them that they are being served. I will have my peace of mind! These scammers need to be taught a lesson. 

These are the phone numbers that they use to call, and how many times they've called using these numbers so far for the month of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have called me on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is still one more day XX/XX/XXXX, and I can bet they will call me at least two more time before the month is over. 

This company must be stopped and will pay dearly in court due to their gross harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: Nationwide Recovery Systems, Ltd
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a letter from the hospital that says that all of my medical bills from XXXX are covered by financial assistance that I am not liable for the bills. So I have tried to call the company and try to explain this to them and try to get a fax number for them so that I can send a copy of the letter. The man Ive had to deal with was so rude and started yelling and being extremely ignorant to me and talking to me like I was XXXX. Refused to give me a fax number. When I asked to speak with his supervisor he said there was no one else to talk to and I said transfer me to someone else. He said that there was no one above him and he would not transfer me. He would only refer to himself as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The property in which my parents had a mortgage on is now paid in full as XX/XX/2020. Both of my parents are deceased and my name is on the account as an authorized party. There's a refund check for approximately {$5800.00} made out to the Estate of ( my Mother 's name ) and an insurance claims check for approximately {$8000.00} ( made out to both the Estate and Midland Mortgage ). I was unable to cash the checks without proper documentation of proof that I'm authorized to deposit the checks and my bank said the checks need to be made out to me because of the amount. My parents did not have a Will ; therefore, a real estate attorney drafted an Affidavit of Heirship And In Aid Of Title document and had it recorded in the state where the property resides. There are 4 heirs ( including myself ) and the Affidavit includes all of our names. I forwarded all documents to Midland Mortgage as requested. They acknowledged receipt and have said since XX/XX/2020  that my documents were under review. I was told I would receive the checks in my name by the end of XX/XX/2020. I called the first week in XX/XX/2020 to inquire about the checks and was told it was still under review. Then they said the checks would have to be placed in all four ( 4 ) names. I said ok, and emailed the names and addresses of all XXXX siblings as requested. I called again the week of XX/XX/XXXX and again was told my matter was under review. After getting irate, the rep then said the checks will go out via XXXX that week. I still have not received any checks nor confirmation of the XXXX tracking number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC recently changed their policy to not allow it's users to link their accounts or debit cards to third parties, thus denying access to my money that they are holding. This is illegal and needs to stop. I was told by my investment company PNC no longer allows me to link my account with them so I can not automatically deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check. 

What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want. 

This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait. 

This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first. 

Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a modification, send all the required paper work, but the mortgage company is still stalling in fixing my account. They are also messing up my credit rating due to them not fixing my account

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 2019-03-17
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt no longer should be charged off.

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 2019-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. Please help!

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XXXX XXXX # XXXX, -POSSIBLE FINANCIAL # 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 2020-11-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I mailed a letter requesting investigation about inaccurate accounts listed on my credit report. I never received a response. On XX/XX/XXXX, I mailed another letter requesting the same. Still no response and the inaccurate accounts are still showing on my credit report.

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 2020-01-30
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
the title loan company is harassing me at work calling my work all time of the day 5 to 6 times a day my cell phone 5 or 6 times a day. I have ask them not to call my job 3 times and the calls continue they told my coworkers who they were and so all my coworkers know my personal info.

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 2019-03-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
One 2-3 occasions, Navient placed my student loans on forebearance without with my request or permission. This was around XXXX and XX/XX/XXXX and XXXX. They automatically put the loan on forbearance even after I had already scheduled loans that were 5 to 6 days late. In XX/XX/XXXX, I called to change the date of my loan payment. The Navient rep stated I see you put your loan on forebearance. I let her know, you guys did ( Navient ). Im not sure if they can legally make the decision to put loans on forebearance for me since they make more money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly tried to explain to this agency that this debt does not belong to me. They refuse to remove. They have said the debt was validated however 1 ) they never could show an original contract where I signed or an agreement with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went to Home Depot to purchase items where I was told I could sign up for a rewards card. They proceeded to get my personal information. I was sent a Home Depot credit card I NEVER asked for or was informed of. I immediately called and cancelled the card. I went to Home Depot a few more times and used either cash or my personal credit card from credit union. Somehow with my information they charged bills to the Home Depot card through Citibank. Apparently the card I had cancelled and NEVER used. I feel lied to, duped and very foolish. I just wanted a simple rewards card and they swindled me. I don't want to pay this fraudulent feeling bill! I want them to release my info, absolve the bill and all contacts with me. They straight up lied to get my personal information and I'm horrified with 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