BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am the custodial parent of XXXX XXXX children who receive federal and state benefits because their father is XXXX and the other is a veteran. I purchased a PayPal prepaid card to keep their bunny safe during travel and while we were moving. XXXX will not allow me access to the childrens money even though I have provided proof of identity proof of old address and proof of my recent mailing address along with my Social Security card and two government IDs. I have made it clear that this money belongs to XXXX children and that it is our money that we put onto a prepaid card for safekeeping that the company does not have the right to keep the money away from the children by continually asking me for the same identification and address information I presented in the first place

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 2021-09-22
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out an installment loan for XXXX XX/XX/XXXX. Was allowed to skip 2 payments in XXXX due to pandemic. Pay XXXX twice per month. The original end date of the loan was XX/XX/XXXX. The two missed payments were to be added to the end of the loan. I have paid in over {$6000.00} for a {$2500.00} loan. I am now told I need to keep paying until XXXX of XXXX. That would amount to additional {$3800.00}, bringing the total to almost {$10000.00} for the {$2500.00} loan. After complaining they agreed to settle for {$1000.00}. I don't think that is fair. They also would report the account to credit as a settled account hurting my credit. I feel I have more than paid back this loan. Any help would be appreciated. I don't want my credit damaged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
I did not solicit this business for any product or service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

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 2017-07-10
Company: ENCORE CAPITAL GROUP INC.
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 was contacted by Midland Credit Management collection letter dated XX/XX/XXXX. I disputed the debt in my letter dated XX/XX/XXXX. Midland responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent Midland my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX Midland 's letter told me they opened an investigation on my  dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and Midland was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX Midland letter notified me that they were no longer be collecting on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a forbearance under the Cares with Mr. Cooper for 12 months due to my rental home being shut down by the Governor of Florida and not receiving income during my primary earning months. I contacted Mr. Cooper to begin payments starting XX/XX/2021. Today I received a letter stating they would only agree to me i ) paying the entire 12 months from the forbearance and begin making payments, ii ) giving them a deed in lieu of foreclosure ( I have {$380000.00} in equity in the property ) or iii ) doing a short sale. It was my understanding that the cares forbearance was to help people during COVID, not set them up to lose their property. After numerous calls, I learned I could get another 6 month forbearance. In order to avoid the bank initiating foreclose, I agreed to 6 additional months forbearance in which I will start making payments plus as much additional as I can but at the end of the 6 months I will be in the same situation. I believed the lenders had to work with cares forbearances and add the money to the mortgage increasing the payment but allowing for repayment over the term of the mortgage. I am certain the intent was not to put people in the position of having to make full repayment of 12 months mortgage immediately at the termination of the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: FL
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:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

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 2017-07-10
Company: Navient Solutions, LLC.
State: MI
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:
In XX/XX/XXXX I received a federal guaranteed student loan from XXXX to attend XXXX University. After in XX/XX/XXXX I graduated with {$32000.00} in debt at 9 % interest. Payed the payments on time until XX/XX/XXXX. When my wife and I consolidated our loans into a XXXX smart loan for {$39000.00}. The payments were made on time until I started my XXXX in XX/XX/XXXX. I Had to travel and pay for everything at home. I contacted XXXX and ask for help. The only thing they offered was to put the loan in forbearance for 8 months. I had to do this 3 more times with no other suggestions or help from them. From XX/XX/XXXX we payed our high payments for 3 years. In XX/XX/XXXX we were offered a better interest rate of 8.25 % from XXXX if we switch and have them service our loan for XXXX. I switch thinking it would be better the balance was {$61.00} and XXXX started servicing the loan. It has not gotten any better we currently still owe {$57000.00}. The payments are current and we pay close to {$600.00}. a month. I have payed on this loan for 21 years and have the principal has already been payed off. I am getting no where and need your help! ACS is no help either they only offer income based repayments that only put us further behind and we do not qualify for their programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called the number listed on Citizens Bank web site as a customer service number to call if you want to close your account. I told them I want my account closed. They said okay. I received emails asking for customer satisfaction after each call. Calls were recorded by the bank I believe. Bank did not close my account. They charged me monthly fees on XX/XX/XXXX and XX/XX/XXXX and now my account is overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: ERC
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: Account information incorrect

Complaint:
Enhanced Recovery is attempting to collected on a pass due bill for original Creditor XXXX. The account balance on the collection notice is incorrect. I would like to have XXXX validate this debt they say I owe.

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 2019-08-02
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX and 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 2022-02-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion put a freeze on my credit and did n't explain why. I 've called 10 times to try to talk to someone there and get it changed and find out why they did it. The system says I need a pin that was sent in a letter sent. I never received the letter! It then says it is transferring me to a customer service rep then a busy signal comes and the call is dropped every time!

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 2017-07-10
Company: Pressler & Pressler, LLP
State: NJ
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:
I 've recently received notice of wage garnishment of a bill/debt obtained from Pressler & Pressler , LLP that dates back to XX/XX/XXXX for something I do not know nothing about because from XX/XX/XXXX I was XXXX until XX/XX/XXXX and the matter at hand does n't even have correct government name..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ASTA FUNDING INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It seems unfair that I need to pay to freeze my credit and protect myself when I should be able to trust the big bureaus with my information ( leaked SSN in Equifax breach ). Frustrated to say the least. This seems like something that should be changed in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX have harassed me without validating debt despite a request and has not adhered to a cease and desist order for contact and/or communication within 30 days. Moreover, the amounts claimed to be owed are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
my name is  XXXX   XXXX  and my loan number is  XXXX  with satandar auto loans. presently my interest rate is 24 % for a used car  2009   XXXX  accord and my monthly payment is {$480.00}. presently I am out of a full time job and I do part time jobs here and there. I have spoken to several personnals about my interest loans been brought down to a better interest rate and monthly payment say $  XXXX  {$300.00} for a 4year loan since the car is old and I bought it used also. I would be grateful if my request is granted so I can put my loan in stable condition. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this issue.

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 2017-11-14
Company: Turning Point Solutions LLC
State: CA
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:
Advanced Capital Solutions has called my cell phone repeatedly. When I have answered, I have told them the person they are looking for no longer has this number. When I have not answered, I have called back the number left in the voice mail and told them that the person they are trying to contact no longer has the number. 

This morning ( XX/XX/2017 at XXXX, pacific ) they called yet again. There had been a long break so I thought they might have actually listened to me.. Alas, they  have not. 

The number called from : XXXX. The message left was from " XXXX XXXX '' and the number in the voice mail was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting on XX/XX/2021 I received a phone call that the number popped up as unknown. Left a voicemail ( Never stating my personal name or what they are calling about ) stating they are Wakefield & Associates and to call them back at XXXX. Phone number after voicemail was received states the phone number they called from is XXXX. The same thing happened again on XX/XX/XXXX, and XX/XX/2021. 

I have also received phone calls that show up as spam risk/unknown at first and then after the missed call it states the number is XXXX as well on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 with no voicemail. 

To date ( XXXX ) I have never received anything in the mail from " Wakefield & Associates '' stating what they are contacting me about. Since they never leave information about what they are calling about or not receiving a written letter about what they are contacting about, I will not answer the phone calls or call them back personally since I don't know if it is a scam or what they will do with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card

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