BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Attempts to contact Discover Student loans took place on XX/XX/XXXX, XXXX, and XX/XX/XXXX. My concern is that the company is ignoring me without any concern for my personal consequence as a result of their error. Those consequences are accrued interest on principal paid, bank fees ( 2 )  due to Discovers unauthorized withdraw from my account totaling {$58.00}, and personal distress as it has been over a month without resolution to this problem. It is unacceptable that a giant company such as Discover can treat me this way after profiting so much from me. 

On XX/XX/XXXX a student loan payment was made directly from a bank account. The website which is suppose to reflect the payment immediately reflected an incorrect and less than authorized amount. 

An additional payment was scheduled within the same week taking into account the reduced prior payment as acknowledged by Discover. Days later the original payment for the full amount requested not the reduced amount listed on Discovers website posted to my account. This caused the second payment made later in the week to be short and incur the fees mentioned above. These payments were intended to pay the loans in full. " Coincidentally '' this issue has never occurred prior to my first attempt to pay these loans in full. 

Each time I called Discover to resolve this issue I was assured of full consideration and a return phone call. On XX/XX/XXXX the only progress that had been made was the payment scheduled on XX/XX/XXXX was applied to the loan " correctly ''. I was also told that none of my other concerns as a result of this incident had been addressed at all. I have still not received a phone call from Discover to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXXXXXX, 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 2017-05-26
Company: ACS Education Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.

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 2020-03-13
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
ON XX/XX/2020 I get a email from Citibank in which it said they blocked my checking and savings account out of nowhere and didnt give me any valid reason for the restriction. Said to call a fraud prevention number, and i did, they kept giving me the run around and making me wait on long holds only to tell me they cant give me any info other than that they will be holding my funds and wont be sending me a check with my funds until 60 whole days. I have had no issues in the past with this bank and i've always banked responsibly and never mishandled a account. I go inside the branches and they repeat the samething. So because they say so, i am forced to not have access to MY FUNDS, out of nowhere, for an entire 60days? i have up to {$7000.00} in funds, combining my checking and savings accounts. I have a life to continue, this is making everything 10xs worse and overwhelming as i have a mortgage, family and more, much more bills than most. THIS IS ABSOLUTELY DISGUSTING AND UNFAIR BANK PRACTICING. I WILL BEGIN A LENGTHY LITIGATION IMMEDIATELY AFTER THE NEXT 7DAYS IF THEY DON'T RESOLVE THIS IN MY FAVOR OF RELEASING MY FUNDS!

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 2022-07-18
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i discovered i am a victim of if theft/ Fraud when i received a collection statement by regular mail as follows -penn credit corportation-debt collector - a debt - owing to XXXX XXXX. as of XX/XX/2022 - owing {$600.00} - not mine - penn credit corportation XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX new collections just appeared on my credit file, no new medical debt that has n't been paid exist. How are these companies allowed to just take old, inaccurate non verifiable items and just report them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I tried to open my Bank of America Adv Plus Banking Checking account online with the promotion code XXXX, which requires " set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within ninety ( 90 ) days of account opening '' to receive {$300.00} bonus. My application didn't go through, and I was told to go to a branch to open the account in person. 
So I went to Bank of America Financial Center at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The banker there, whose name is XXXX XXXX <XXXX> opened the account for me, and told me that would receive my {$300.00} bonus after my I have the direct deposit requirement satisfied. 
So in XXXX and XXXX, I made Direct Deposits totalling more than {$4000.00} to that checking account. In XXXX, I went back to check with the branch, I met with XXXX and the branch manager XXXX XXXX <XXXX>, but they told me that my account must be opened for 120 days before receiving the bonus and I just need to wait for the bonus. 
So I waited until XXXX and still didn't receive the bonus, so I came back and checked with XXXX again only to be told that she would tell her manager about this and I should be receiving my bonus soon. 
In XXXX, I still didn't receive my bonus so I came back again, this time I got to know that the manager had been transferred to another branch. XXXX told me that she was filing a case ( case # XXXX ) so that I can receive the bonus. She told me to call in to check the status and I should be receiving the bonus soon. About a month later I still didn't receive my bonus so I called in and the representative on the phone told me my case hadn't been resolved and she would escalate my case. 
Today ( XX/XX/XXXX ), I called in again only to know that my case was rejected, and the rep told me the onlything he could do is to escalate the case again, and told me to check back with the branch manager where I opened my checking account. 
In summary, I opened the account because the banker XXXX told me that I would receive the bonus, which I never got, although I already had to go through several loops, went to the banks several times and wasting numerous hours talking to multiple Bank of America representatives.

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 monetary relief
Consumer complaint received 2015-10-01
Company: Firstsource Business Process Services, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Convergent Resources, Inc.
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 was paid

Complaint:
I am being constantly harassed and receiving bills for return of equipment that was returned. I have called and called and I get the same result. I am sick of being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HI! 

THREE OF MY SSN PENSION CHECKS HAVE BEEN STOLEN THROUGH THE XXXX XXXX IN XXXX TEXAS! THE PERPS DON'T THINK THAT I CAN US FDIC TO RECOVER THIS! HAS BEEN REPORTED TO THE SOCIAL SECURITY ADMISTRATION, AND POLICE! 

THIS HAS CREATED A HARDSHIP FOR NOW, AND I WOULD LIKE FOR THEM TO USE THE STOLEN FRAUD MONEY TAKEN OUT OF MY ACCOUNT THE PAST YEAR TO MAKE THE PAYMENTS UNTIL MY PENSION IS RECOVERED! COMPLAINT NUMBER XXXX-XXXX.I HAVE FULL INTENT TO PAY BACK WHAT I HAVE BORROWED! THANK YOU AND HAVE A GREAT DAY!

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 2020-03-13
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At the beginning of XX/XX/XXXX, I went to purchase a vehicle and found out during the process that Choice Recovery reported an alleged outstanding debt of {$190.00} owed to XXXX XXXX XXXX   at XXXX XXXX XXXX, XXXX, FL XXXX for services rendered back in XX/XX/XXXX. 

I reached out to XXXX XXXX, who referred me over to their third party billing company. When speaking with that billing company they repeatedly tried taking the payment and never stated that this account was in collections or even read the FDCPA collection language. 

I then contacted Choice Recovery, who stated they sent multiple letters and made multiple phone calls. The address & phone number they had on file were obsolete as I had moved and had a new cell phone provider with a new number. They refused to remove the item from collections, but proceed to try and collect the alleged amount owed. They stated they verified the debt. However, I never received the chance to dispute this alleged debt before it was reported to the credit companies.Which is another FDCPA violation. 

To date, they have failed to provide me with the opportunity to start this process over and provide the required notices per the FDCPA. 

I am happy to discuss this matter futher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016, while reviewing one of my credit bureau reports I noted an inquiry from American Express ( AMEX ) in category of requests that I had initiated. After speaking with XXXX AMEX customer services reps, I was able to speak with a fraud specialist. I was told an account had been open in my name on XX/XX/XXXX. and sent to an address in XXXX. I have the agents ID if needed. In any case I was told an investigation would be open and I would not be responsible for any charges. I would also receive a letter saying same and credit bureaus would be informed. I questioned sending a card to XXXX when the record clearly says I reside in XXXX and have for twelve years. The agent told me they pay no attention to the address. Wow! No wonder Identity theft is so wide spread when companies make it so easy for the thieves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. 
Here is the timeline of the transactions and emails from PayPal : XXXX XXXX   {$280.00} In XXXX XXXX  {$97.00} Out XXXX XXXX  {$97.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} out XXXX XXXX  {$95.00} out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  email from PayPal asking if there was unauthourized access to the account XXXX XXXX  email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX  Email from PayPal stating access to account was restored XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. 
On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. 

On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. 
I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. 
I have since closed my debit card and my bank account. 
I really hope you can help. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was trying to make apply for credit to make a large purchase and was denied due to a collection from Receivables Management reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Receivables Management nor the original company that owns the debt. I don't even know who the original company is that owns the debt. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged 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 2022-03-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written all credit reporting agencies who have said they have verified this information including XXXX XXXX. They have not provided any proof on how the information was validated.

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