BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: ERC
State: MI
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:
Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Essential Retrieval Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My family members are receiving calls from XXXX XXXX at ERG trying to contact someone with a similar name to myself. The calls are from XXXX XXXX XXXX XXXX but asking to call XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect accounts and unauthorized inquiries.

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 2022-11-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have filed Case # XXXX with Barclays ... .The issue began in. XXXX When I received this credit card for XXXX XXXX, gap and old navy .Right away i got a statement before I even used the card.Its been multiple calls to resolve this issue since XXXX. 
I have purchased items worth {$43.00} and have made payments for over {$70.00}.

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 2016-07-08
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ERC
State: MN
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 dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal advertised to use direct deposit to receive government benefits so I enrolled to recive my unemployment benifits. I waited 3 months to receive my back pay and on XX/XX/XXXX, XXXXi finally received my deposit and 20 mins later paypal locks my account and tells me I can't get my money for 180 days. Nobody will give me a reason for why this was done, I never violated any rules, yet they refuse to release my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have collected for over 10 years and never applied any amount to principal. They only applied to interest and fees. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived at The View at XXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. 
Two years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX XXXX at XXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. 
When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. 
I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. 
I have no outstanding charges due to the XXXX at XXXX XXXX nor to Consumer Collection MN where they sent me to collections. 

I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. 

This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX at XXXX XXXX who is currently being managed by XXXX XXXX, XXXX XXXX XXXX who was the management company at the time I was living at the XXXX  at XXXX XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. 

I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX with XXXX on my mobile device and when I did so it said my funds would be available on XX/XX/XXXX. On XX/XX/XXXX they put a 10 day hold on my check from XXXX XXXX because they said prior history of them not honoring checks. I spoke to XXXX XXXX in XXXX  XXXX and they said thats absurd and that XXXX had already collected the money. 

I then spoke to XXXX and they refuse to release my money and said it wont be in my account until XX/XX/XXXX, even though online it says its posted. They said they are just going to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act McCarthy, Burgess & Wolff, Internal reference number # XXXX, XXXX XXXX referred account # XXXX is attempting to violate 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 response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Empowerment Ventures, LLC
State: ID
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.

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