BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!

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 2016-05-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Vantage Sourcing, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Credit Karma, LLC
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I do not open a credit card or anything else in the name of XXXX XXXX XXXX. I want this removed from my credit information. Please investigate and see who opened that fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Credit Karma, LLC
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Late XX/XX/XXXX I was checking my credit often and my score would slowly be going up although I really do n't have much good or bad. I went to XXXX in XX/XX/XXXX and when I got out I had multiple more hard checks and credit karma would n't even tell me my score. Also I have a delinquent account on there that say it was closed in XX/XX/XXXX. They do n't even have info right. XXXX I signed up for a pre paid card and they never sent it. I asked again once I did n't receive it then they hard checked my account again! Annual credit report would n't give my score online they wanted to mail it. I think I 'm being done wrong if they do n't even trust online. I 'm not sure something 's up and its hurting my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX 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  XXXX 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 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 2022-10-19
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my consumer credit report and saw inaccurate information being reported by a debt collector. This debt collector has not provided evidence that this alleged debt belongs to me. They pulled my credit without authorization when they received my validation letter on XX/XX/2022. I did not give them consent. I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: S.B.S. Trust Deed Network
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CURO Intermediate Holdings
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is violating the law by reporting medical collections that are less than $ {$500.00} by a collection agency they previously removed this item from my report. Also the information violates my health protection information. I have disputed this several times it was previously removed and now its showing back on my credit report. I would like the mall to be in in forced and have these collection accounts remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Have submitted a prior compliant under number  XXXX . The complaint shows closed, but have been unable to read the company 's answer and justification for closing the complaint. Until I can read their reply, I consider this matter unresolved.

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 2015-12-03
Company: Financial Credit Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I transferred my account funds and direct deposits into ETrade on or around XX/XX/2021. Since that date, I have NEVER been able to get a debit card in order to access my funds. I have had to keep my XXXX XXXX  XXXX accounts open to transfer money into the accounts. I have made no less than XXXX phone calls in the past almost year ; however Etrade continues to not correct this. I have requested an address change ( at their request ), I have sent them notarized letters at their request, and even created a new account and funded that account just to try and get a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: MS
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation