BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Account Outsourcing Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Several years ago I had a credit card which my fiance ' ( at the time ) used without my permission. I had tried several times to make arrangements with the original credit card company for payments that I could afford which were declined so I let the debt go so to speak -- Now a different company ( who purchased the debt ) has been calling my employer -- I contacted them and asked them NOT to but they continue. I also requested that they send me a copy of the debt ( because the amount they say I owe is NOT the same as the amount I was told before ). I also asked for payment arrangements in writing and the rep ( XXXX XXXX ) told me NO WAY -- they will NOT send anything in writing and that I would need to provide them with my checking account information for direct withdrawals. I am now filing a complaint because of the fact that they will not stop calling my employer and that they refuse to provide me any information in writing.

Company response to consumer: Closed
Consumer complaint received 2015-09-14
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Overton, Russell, Doerr and Donovan, LLP have been attempting to collect a medical debt even after the debt which was the result of an error in insurance billing was straightened out. At no point have we owed XXXX XXXX XXXX any money. The co-pay was paid at the time of the visit. The " debt '' was the result a billing error on the hospitals part. The issue has been resolved. The hospital assured us they contacted Overton, Russell, Doerr and Donovan, LLP but they continue to send us threatening letters stating our credit will be effected if we do n't pay a debt we do not owe. We have been very cooperative with Overton, Russell, Doerr and Donovan, LLP in attempting to clear up this issue. They for some reason refuse to leave us along and are threatening us with our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Other fee

Complaint:
Last month I owed a small amount on a Bank of America Credit Card because it is my alternate card and I do n't use it much. I was 3 days late paying, but I paid the amount charged in full. Bank of America charged {$1.00} late fee, which they credited it back to me after I called but they did not consider that a payment, even though that credit zeroed out my account the same day as my payment. This month, I accrued some charges on my card and the statement period closed yesterday, XXXX. Today I see that they charged me 1 % of the total amount I spent for CURRENT month and called it INTEREST CHARGED ON PURCHASES. I am filing this complaint because this is a new fee that Bank of America has implemented and I was unaware of it until I had to call to have the fee removed. After this incident, I went back to check previous statements and I see that they seem to have started XX/XX/XXXX and first appeared as a number of {$0.00} charges on my XXXX statement and each monthly statement thereafter. They were {$0.00} line items so I did n't think much about them. I have had this card since at least XX/XX/XXXX. I did not agree to any changes in my account. They refunded me the fees, but I believe this practice is deceptive and is probably generating a good amount of fees from people not paying as close attention to their statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
XX/XX/XXXX, wow I check my cashapp account to find that my account was {$150.00} over drawn. I had about {$6.00} in my account before but I could not find the reason as to why my account was over drawn. I call customer service they said we will escalate, the message I received back was call merchant dispute called. But again I dont know who the merchant is how much they are taking is this a scam etc. I have called them email them because my check goes into my account and I love paycheck to paycheck. If I owe it fine but tell me what I owe and why I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. 
XXXX College

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving 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 2022-10-19
Company: The Receivable Management Services LLC
State: MD
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving 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 2021-01-08
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I tried to get the company to deactivate my account and to clear all my personal records. I dont want someone hacking the company to get access to my banking accounts especially since I dont use their services anymore. 

They sent onerous list including a photo ID that they never asked when I signed on. All I want is for them to deactivate my account. If they want to confirm its me, they can send me correspondence on records they already have with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Affirm Holdings, Inc
State: WI
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car is currently in the shop and parts were ordered on XXXX by the body shop. The parts are not available and have no ETA. I'm told it can be months more before the parts are available. 

I called XXXX to find a solution XXXX weeks ago, however, they have no solution. Yesterday I received a call that the case was being referred to the Parts Delay Team. I asked why it was not initially referred there XXXX weeks ago when I called but they were not able to answer that question. The representative simply said, " Well I'm doing it now. '' In the meantime, I'm being charged monthly for my loan. In addition, I've had to pay for a month of a rental and now had to get a new car in anticipation of not having my XXXX back for months. 

It isn't right that XXXX is not helping, and I'm being charged for a car I have no use of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a Paypal account, reluctantly, because it is necessary to have a Paypal account to sell an item on eBay. I filed a previous complaint about this Paypal account with the CFPB because Paypal would not mail a check to me with the account balance. To retrieve my money from my Paypal account I created a special purpose bank account and linked it to the Paypal account. I was able transfer the balance of my Paypal account to my bank and withdraw the money. I sold another item on XXXX XXXX and the buyer paid for the item + the shipping by Paypal. When I printed the mailing label thru eBay, Paypal tried to debit the linked bank account {$2.00} for the shipping, even though the buyer had deposited funds for shipping in my Paypal account. I also had a credit card on file with Paypal. When I linked my bank account to Paypal I did so only to receive the funds from my Paypal account. I did not knowingly authorize Paypal to withdraw funds from my bank account and I would never do so. Paypal 's attempt to withdraw the shipping my my bank account was an unauthorized wire transfer transaction. Because there were no funds in the bank account linked to Paypal ( on purpose because I do not trust Paypal or the Paypal security ), my bank denied the debit and charged me {$32.00} for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks

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 2016-11-11
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened up a business with paypal. They locked my account and made me send verification about my business. I followed through on this and now they cancelled my account and wo n't give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Navient Solutions, LLC.
State: VA
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:
Navient keeps adding and taking away balances making my credit score change even though there is A ) a freeze on federal student loans and B ) There is a class action lawsuit and borrower defense involved. There should be NO activity on my student loans. The school that I attended ( XXXX XXXX ) has lost their accreditation and is on the verge of closing and I have been trying to fight the loan for a few years now being they were dishonest during orientation stating the credits would transfer to XXXX XXXX XXXXXXXX XXXX and they wouldn't. The reason I asked if the credits would transfer is because at that point in time ( XXXX ) they did not have a XXXX program. They only had medical assisting classes. I wanted to get my degree in XXXX and was unable to because of this. If I chose to go to XXXX XXXX XXXX XXXX, I would have to take every class over again. This was not fair to the students they lied to to get us to join their college in XXXX, VA. They also lied about job placement and the average income from medical assisting in the area making us believe that they had a contract with doctor offices or hospitals in the area. The most we could get an hour was $ XXXX {$17.00} after paying over {$50000.00} for their classes. This is highway robbery and VERY dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called On XX/XX/XXXX, at XXXX XXXX. On hold for XXXX hours and XXXX mins. Spoke to XXXX ID number XXXX. Requested my student loan refund. Told me XXXX business days and it would be in my account. 

Called XX/XX/XXXX, at XXXX XXXX. 
The person I spoke with stated my refund request has been received however, the process is taking anywhere from XXXX weeks to 2 months. But reassured me my refund will be refunded to my banking account. Their system is just overwhelmed. 

Called XX/XX/XXXX, at XXXX XXXX. 
Automatic system told me they no longer service my loan and to call this number.

Company response to consumer: Closed with explanation