BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They refuse money orders, harass me daily via phone you to open a checking account, and refuse to mail statements showing money is going towards account. 
I was contacted about three accounts I have with Portfolio, I made arrangements to send {$50.00} per month towards the accounts via money order and sent it in the mail and now I 'm told that apparently money orders are n't good enough and I must open a checking account. I do not have a checking account and I will never get one because I do not need one and I know they will just automatically take money out without authorization and overdraw any accounts, you would think they would n't care how you get the money and just be happy to get it at all. 
I also asked was for a paper bill, so I can verify that this is not a scam company and see the balance going down, but I 'm being told that I ca n't get a paper statement unless I open a checking account. I absolutely will not open a checking account and now since my money orders are n't good enough, I guess they prefer to just get nothing then? 
They are committing fraud by taking my {$50.00} and not providing me any statement that it went towards anything or to verify who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Atlanticus Services Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 I walked into a Chase Bank in order to bring my account current that had been closed due to overdraft fees without my knowledge. My account had a minor overdraft of around {$30.00} - {$50.00} in actual debit charges and then additional fees due to the few overdrafts bringing my negative balance to a mere total of {$370.00}. When I XXXX money to my Chase account is only when I realized the account had been closed by Chase. Therefore I walked into the bank to bring it current after being told over the phone by multiple employees for Chase bank that I can easily open a new account after I bring it current. However, that was not the case. After waiting in the bank for an hour for them to figure out how to bring my closed account up so I may pay the bill they had me sit with a banker and denied me a traditional checking and savings account. They did not give me a reason as to why I was denied and only offered me a prepaid debit card which did not allow Bank wires or deposits of any kind. Not only did Chase close my account without my knowledge and lie to me they then ran my credit without my consent which is they basis for why they denied me opening a new account only due to sending me a letter later in explanation. If I would have known that my credit needed to be run in order to open up a new account even as a previous customer I would have never opened up a Chase account to begin with. I did not consent to any credit inquiries by Chase Bank and all of these are fraudulent due to them not requesting or even alerting me that my credit would be run. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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, XXXX 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

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 2022-04-18
Company: Credit Corp Solutions Inc.
State: SC
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:
An unauthorized account was created with XXXX using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from XXXX. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a XXXX account. 

XXXX has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I 've been having on going problems with naviet ( formely XXXX ) my loan was originally taken out XX/XX/2010 when I went to XXXX and I have been making steady payments.the principle never seems to go down.im single taking care of my sick father providing for a house.they have puts marks on my credit report, which have hurt my credit.I always ask to see records on how much I have paid and they cant ever really give me a current balance.very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner

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 2016-12-29
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Receive continues calls from Professional Bureau Collections of Maryland. I told them I could pay off the debt in XXXX because I was XXXX from the XXXX. They keep checking how much I have on my credit cards and telling me to barrow money. Today at XXXX and XX/XX/XXXX I informed them that I could pay it off in XXXX once I receive my final check. I am constantly being harassed by them and I have not refused to pay at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # 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

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 2016-10-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I called MoneyGram on XXXX/XXXX/2016 in reference to transaction # XXXX to ensure that their would be no problems with the money transfer due to previous denials of transfers. I was told that the transaction would n't be denied, however ; it was denied after funds were sent. MoneyGram will not provide information to why the funds transfer was denied and MoneyGram will not immediate refund the money so that I could use another service to send the money. MoneyGram holds the funds for up to one week which causes a financial hardship for the customer and the recipient which further delays the necessity of the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a judgement on my account that does not belong to me case number is XXXX. I 've enclosed the case information. 
1 ) I 'm not the defendant that 's being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
- On XX/XX/2022, I found out that someone hacked my Chime Checking and Savings account. Multiple transactions and transfers varied and made a total amount of {$1000.00} stolen. That was all I had in my account and all i owned in general. Not only did they steal my money, but they were able to change ALL my information on the app. I'm not sure how in the world Chime 's security was able to be breached that easily but the hacker changed my email, number, and physical address to my card. 

- I made the claims, and on the recorded line, they stated that it was indeed recognized as fraud. Chime 's dispute team said that it would take XXXX days to receive the money back. But being that it was all my money that was taken, I told them that this needed to be treated top priority because i will go homeless if i can not make rent or pay other bills. Plus it wasn't my fault for their lack of security for me to wait on money that shouldve never been taken. 

- As days pass, ( XX/XX/2022 ), I would hear absolutely nothing from Chime. I emailed them multiple times to change my information back to what it was before the hacker changed it ( because the hacker logged me off the app and couldn't do it myself ). And I never got a reply from them. So, when the money was put back on my card, instead of me getting the update, the update ended up going to the hacker and the hacker was able to steal the money AGAIN. 

-not only did chime fail to change my information when i asked, they didn't suspend my account so that my funds could stay safe until I could get in my app again. so not only did they not suspend my account, they allowed the SAME person who stole my money the first time, steal it the second time. And now they are saying that it isn't fraud and that they wont give me my money back. 

-I 've called and emailed to get an explaination from them. I'm about to go homeless and bills are continuing to rack up while we are on the rise of inflation. I've never ever had anything like this happen to my years of having Chime. 

- and now its ( XX/XX/2022 ). i really really need the CFPB 's help to getting my money back because it has physically and emotionally effected my family in so many ways. I told Chime to check IP address 's so that they can see that the fraud is happening in CA- to also prove this wasn't me. They have yet to acknowledge their poor security as well as not having security measures in place. I've spent hours on the phone with chime they aren't willing to help me and now i am willing to sue and go to the farthest extent that i can to get this fixed because i refuse to have my family taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far. 
sincerely, XXXX XXXX

Company response to consumer: Closed with explanation