BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Penn Credit Corporation
State: OH
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:
This account was opened without my authorization. I have since made arrangements to have this account settled with the understanding that this was a pay for removal arrangement per the original creditor

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: AES/PHEAA
State: MS
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:
My student loans are in default. XXXX & Fed Loans turned over my student loan debt to a collections company in Arizona known as XXXX XXXX XXXX. I have made numerous calls to the firm to no avail. I have waited on hold for hours for no answer. I did receive one answer and was promised a call back which I never received. I am trying to get my loans out of default and avoid the attorney fees which added roughly {$15000.00} additional dollars to my debt. 
My debt span is {$37000.00} the loan origination dates ranged from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello, in relation to Brinks debit Mastercard 1 ) company never send me an statement 2 ) company over charged and took more than what they were saying before 3 ) company did not report my creditworthiness to : XXXX XXXX, XXXX and other credit agency now : I want that the monthly statement send it to me, all amount which over charged to be refunded to me and the report of good standing send to 3 credit agencies thanks regards

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 2019-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
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 Sunday XX/XX/2019 I wanted to purchase an airplane ticket on XXXX XXXX, on their website, in the amount of XXXX When I submitted payment, using my Citizens Bank debit card, Interjet said that the payment was rejected. A few moments later, I received notification from Citizens Bank Fraud Division that suspicious activity had taken place ( my attempted purchase ) and that I should log on the Citizens website to confirm that it was a valid transaction.

I indicated that it was a valid transaction, and I received a message telling me to wait one minute to re-try my purchase ; I did, and this time it was successful.

A few days later I received notifications from Citizens, telling me that my balance was low, and then I had six ( 6 ) overdraft notifications and a overdraft transfer notification. After looking into my activity, I realized that Citizens Bank had put a hold on BOTH payment attempts, duplicating the funds used.

I contacted Citizens Bank customer service on XX/XX/2019 and they were not helpful at all.

Each overdraft comes with a {$35.00} fee, so this was a {$200.00} additional hit to me, and the transfer from my overdraft account ( $ 100.+ ) will also come with a {$12.00} or {$15.00} fee.

As of XX/XX/2019 Citizens still has a hold on {$780.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested that they stop calling on XX/XX/XXXX and they hung up. They called on XX/XX/XXXX and I hung up. They called on XX/XX/XXXX and I told the rep that the law is that they can't call me if I tell them not to call. I told them if they have a debt to collect that they have to do it through the court system. She was completely unaware of the law and firmly believed that she could continue to call. She wouldn't understand it so I said not to call and I hung up. They called again on XX/XX/XXXX and I didn't answer.

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 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 receive a product that was defective ( did not work as advertised ). 
I complained to the merchant but after protection time expired, they stop responding to my messages. I filed a charge back request with the Capital One, but they denied it. The original request was via fax, but I wanted to submit screen shots and pictures that show that the product was defective. After I complained the second time, they allowed me to upload the files that can clearly show that the product was defective. They still denied my claim. 
They want me to pay for a defective product ; this is a violation of the Federal law. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Never received any written documentation. Accounts showed up in my credit report twice. I asked for written documentation to validate debt and have yet to receive anything. The account is reporting twice, both are not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to both me and husband. Silence each time we answered. Attempted to call back. Asked for personal information without clarifying the company or reason for contacting me. Man, XXXX XXXX was very rude and blamed me for not understanding him. I had to XXXX the company to find out it was a debt collector. We have received nothing in writing from this company. I have blocked the number as they have called three times in one day. 3 calls to me, and 2 to my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Americollect Inc. 
XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX {$440.00} Account Number : XXXX {$55.00} Americollect Inc. Agent : This is notice to you that I am going to file suit against you for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

I received a credit alert from XXXX, XXXX, and XXXX that your company has flagged my accounts for collection. Exactly 2 ( two ) days from the date ; your Compliance Analyst apologized to my husband ( XXXX ) about this fraudulent account. Americollect Inc. has now fraudulently flagged my report. I do not now nor have I ever agreed to this contract! Proper documentation from Americollect Inc. was never provided for me to allow you to validate this alleged debt.

Amercollect Inc. has been proven to be a fraudulent 3rd party collection agency that violates its alleged clients patients H.I.P.P.A rights. ( see attachments ) *Provided proof of apology.

Any further contact in this alleged collection matter will be seen as an act of paper terrorism and mail fraud. You are not the HOLDER IN DUE COURSE and you have no standing in a U.S. Court.

You have 10 days from the date of this letter to remove this fraudulent account from my credit report and restore my scores or I will sue your company for a monetary amount in triple damages.

I urge you to take this extremely seriously as I have documented my case with witnesses and without error!

All further contact from you will be FULLY DOCUMENTED and added to the already existing evidence and made available as evidence in the Court action against you. 

Americollect has NOT responded and the accounts remain on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Because my information is embezzled, so many account I do not know when to open, I know have no regular bank checking account, any bank in the XXXX XXXX will not open a checking account, I want to ask why, because it is not my own, why do not give me, actually I am a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Bread Financial Holdings, Inc.
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: International Computer Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by this debt company for a debt I had no knowledge of, I explained to them I did not have any knowledge of the debt in question. I also verbally and in writing disputed the debt in question. They are still attempting to collect this fraudulent debt, and reporting this to all   XXXX    credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: American Elite Recovery, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX at XXXX I called American Elite Recovery @ XXXX. I spoke with XXXX who started explaining to me what was going on with this account that I owed XXXX XXXX. She stated that they wanted to settle with me for {$300.00} but if the phone got disconnected that they would treat that as a refusal by me and they would have to move forward with Garnishing my wages. I advised that I wanted to set something up as well but that I would need more time to be able to look at my finances. She stated that she needed something right now. I advised that I could make a payment next week of {$10.00} to start off. At this point she stated that they didn't except any payments lower than the amount of {$50.00} and so that since I wanted just to pay {$10.00} she would need to start Garnishing my wages. I advised that she had not advised of the {$50.00} min payment prior to me advising of what I wanted to pay. She was getting very upset at this point. I advised at this time that since she threated me with Garnishing my wages that she could talk with my lawyer. At this point she lost it. Yelling at me saying " Why did you waste my time if you had a lawyer? ". I tried to explain that I didn't have a lawyer because I was trying to resolve this but since she threatened me that she could talk with my lawyer now. I attempted to give her my lawyers name and phone number. She would not let me talk and continued to yell at me and said something about my address and said that they would be garnishing my wages and hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: CA
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:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and XXXXollectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the XXXX BREACH.

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 2018-02-11
Company: Experian Information Solutions 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:
This company called XXXX have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...

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 2021-02-02
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 belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BOK FINANCIAL CORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I contacted XXXX XXXX XXXX, a division of BOKF Financial,  cause I couldn't access my account. I signed up for an online account that is available for anyone in the US about 2 months ago, though I live in Maryland. I signed up for an account due to the second chance banking opportunity. After speaking to XXXX in the loss prevention department, I was informed that my account was flagged. I was told that it looks like I applied for my account in a different state than where I had it delivered, I actually didn't and if my IP address was an issue at the beginning, I should of been notified or asked to verify myself then. I figured if that's a flag for fraud, I should of never been able to instantly open an account. I was also told my account balance was also a flag because it was {$17.00} in the negative since Tuesday, XX/XX/XXXX only two days. I actually had funds on the way that took longer than expected which is why I was checking my account and why it was in the negative. I offered to verify whatever I needed to and he asked if I can come into a branch in Texas after I told him I don't live there. Im using online banking, why can I not verify myself online? After hanging up and calling back, I speak with XXXX again and he tells me that they're actually closing my account. I attempted to escalate the call, he wouldn't allow me to. I do not know why I was offered to verify myself when the account was being closed anyway. I did nothing wrong, I committed no fraud, I wasn't allowed to verify myself and they have no right to shut my account down. it was completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.

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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation. I have no knowledge of the fraudulent accounts on my Transunion credit report. FTC report no. is 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 2021-01-30
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 do not now nor have I ever had a contract with Midland Funding and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief