BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My previous company was supposed to pay my XXXX from an incident I had at work. They paid most of the bills but forgot to pay XXXX and now they are comming after me when they where put into collection without me even knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: National Credit Adjusters, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Debt collector from National Credit Adjusters is repeatedly calling my job, family, and friends. They are immediately asking me to verify my social security number and becoming frustrated when I do n't, and when I want to know who they are. The only identify themselves as National Credit Adjusters, and are unwilling to give any other information for what they want unless I verify my identity with sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been unable to access my direct deposit payroll check since payday on XXXX/XXXX/2015. I have placed numerous calls to rush card but have only been able to speak with someone XXXX times. I was told twice ( Sat., XXXX EST, that an escalation request would be submitted & I would either have my deposit or hear from someone in 12 hrs. Then again on Monday, XXXX/XXXX/2015 I was gave my information again & assured that I would have my money by the end of business that day ). Today is Wednesday, XXXX/XXXX/2015 and I have been unable to contact anyone. Calls are disconnected. I have not received any tx, emails or phone call. In addition I have contacted XXXX, they we helpful, & I received more info from them since this nightmare started. I just want the truth, and an estimate of when or if I will be able to gain access. The total disrespect while paying lip service is so unacceptable. In this age of technology, it is hard to believe that it would take this long to rectify. It is very scary and there seems to be no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I 'm currently with the Rush Card thru XXXX XXXX ... as you guys probably already kno it 's been 8 days and we still ca n't access our hard earned money nor speak to someone at customer service! All of my bill are due and their is nothing I can do ... .I think it 's sad we ca n't access our money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I had insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to COMMONWEALTH FINANCIAL, so why are they both contacting me. And XXXX XXXX XXXX is continuing to attempt collections on dates of service that matches XXXX XXXX along with identical monetary claims. I 've been told by XXXX XXXX XXXX If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an emergency room visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Hello Green Tree Servicing did not provide correct information regarding the sale of my house and is listed on my credit as a short sale and am requestion that get removed.They broke the law by mishandling the rewuest for short sale and never told me it would fall indure the short sale

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in dispute with Green Tree Servicing / Ditech since mid last year over my account. Charges for filing bankruptcy and foreclosure were added to my account in 2005, but my husband nor I have ever filed bankruptcy and our home was never foreclosed on. I have disputed these charges and Green Tree Servicing/ Ditech just keep sending me the same letter a month or so later with the same claims and my dispute is not being addressed. They have also claimed that I paid these fees off and this concerns me because I was never made aware of these fees to my account and I was under the impression that all of my payments were going towards my mortgage, so it is my impression that the company was using my mortgage to pay off fees that should never have been applied to my account, which would have resulted in further fees and more interest. Also, in the most recent letter they have claimed that I owe {$4600.00} when I only owe {$1700.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: GMA Investments, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a phone call from a debt collection company called " Summit Receivables '' located in Nevada. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.

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 2016-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted

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 2015-05-06
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-29
Company: Southwest Credit Systems, L.P.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN XXXX days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.

Company response to consumer: Closed
Consumer complaint received 2015-09-11
Company: Netspend Corporation
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The online website account history shows that the account balance is positive by US mathematical standards, yet Netspend Corporate managers/representatives say that it is Not their standards. For instance ; Here is what my balance on the website will show to me is the balance is {$10.00} ( XXXX dollars ) ; Balance ( {$10.00} ). However this example is actually a Negative balance. If it was a Negative balance it show show or read as follows ; ( - {$10.00} ). I talked to a representative of Netspend and they told me that on their side of the website it shows a Negative but not mine. This is Fraud and misrepresentation of facts. It is a trick to get extra fees from customers/consumers, because each time they make payments with a Negative balance that they think is Positive, they get charged fees like I did.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: ESCALLATE, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-12
Company: Cogent Road, Inc.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: ESCALLATE, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-31
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: DISCOVER BANK
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Receivables Performance Management, LLC
State: GA
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:
I disputed an Collection on my credit report back in XXXX of 2016. Both XXXX and XXXX both removed the item from my credit report. After a month later, the collection showed back up on my credit report. It was now under a different Collection Agency name. With a slightly different amount. I contacted the Credit Agencies, and was told that I needed to dispute the amounts again. This time, the results of the dispute came back as the item belongs to me. 

I was only able to upload my letter from XXXX showing the removal of the collection. The XXXX removal is connected to my XXXX XXXX account. Which I am unable to upload.

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 2015-07-06
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief