BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.

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 2015-03-31
Company: EOS Holdings, Inc.
State: FL
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:
XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed
Consumer complaint received 2015-08-17
Company: American Credit Resolution, Incorporated
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In the XX/XX/XXXX, I received a phone call from American Credit Resolution stating that I owed them money for a XXXX membership. Three of my family members received a call as well from a rep that was looking for me. I told the rep that I do not want any of my family members contacted and that I do not owe XXXX any money. I was a member of XXXX around XXXX, but not XXXX. I ignored the two other contact attempts from ACR as they did not provide me proof that I owed any money. I did not hear from them again until XXXX. 
On Friday, XXXX XXXX I recieved a call from an unknown number around XXXX. My father told me he also just received a call from an unknown number and the person was looking for me. On the voicemail a woman left me, she stated- this is a reminder that if I did n't call her back regarding a pending claim that she would be out to my home and place of employment to serve me papers. I was not given any prior warning of anyone serving me papers. I called the number back that she left and spoke to a XXXX XXXX. He also told me that I owe XXXX for debt from XXXX and that if I didnt set up payment arrangements with him, they will be serving me papers and taking me to court where I would have to pay over {$2000.00} for legal fees and the debt. I told them again I do not want my family members contacted and that I do not owe this debt. I also asked for proof or documentation that I owed this money. He threatened to sue me again, so I gave him a credit card number that I knew wouldnt go through because I was scared and wanted to talk to a lawyer. 
I recieved a credit card auth form to sign and send back, and a payment arrangement form from a XXXX XXXX at XXXXXXXXXXXX. I did not sign these forms or send them back. 
I received another call from XXXX XXXX on Friday XXXX XXXX from a number- XXXX, different from the number he gave me to call him-XXXX, also different from the phone number on the letter they emailed me- XXXX. He said the payment denied and that I needed to call him back with other payment arrangements or XXXX XXXX would be out to my home that day with a legal summons to appear in court. I did not call back, and she did not go to my home. 
I received yet another call from a XXXX XXXX on XXXX XXXX where she stated that if I didnt call back, she would be out to my home or work between XXXX to serve me papers. She gave a case number of XXXX, not sure what that case number is for. I did not return her call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-19
Company: AFNI INC.
State: KY
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:
There is an account through AFNI which is unknown to me, requested validation and nothing has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMC ( JP Morgan Chase ) has incorrectly marked my credit report as late : My credit score is still being impacted by JPMC. 

They claim I was delinquent on a car loan payment. I have always paid JPMC on time, and in full, via auto pay. They violated the fair credit reporting act, and never contacted me that they reported me for a late payment that is both false, and impacting my ability to borrow money. I have tried contacting them several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: IQOR US INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX

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 2016-11-28
Company: MNS & Associates LLC
State: NY
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:
I have reported this company to the Consumer Financial Protection Bureau Case number : XXXX on XXXX XXXX, 2016 for illegally calling me trying to get my relatives social security number. I have never done any business with this company. They have called me again today from a different cell phone number, and using a different company name " MNS Associates ''. I am reporting them again today!!! 
The number they called me from today is ( XXXX ) XXXX, which is listed as a XXXX business on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CREDIGY USA CORP.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had two cards with CapitalOne. My basis for applying for these cards were their reasonable monthly payments. Capitalone has a credit card calculator that you can use to calculate length of time to pay down a card, using the payments. This is what I used : it can be found XXXX also of the understanding that CapitalOne charged either XXXX dollars minimum payment, or 1 percent of the total balance each month. What Capitalone does not make readily transparent is the " great than '' clause they have for cardmembers. For example, I had a card with a {$2900.00} balance. The first month, the payment was XXXX ... the next month it nearly tripled to {$84.00}, even though the card 's balance only increased by XXXX to XXXX. I spoke online with an account specialist named " XXXX '' who could not determine exactly where the numbers were coming from, so she transferred me to her " supervisor '' by the name of XXXX who informed me that the payment was the " greater of the two '' ... 1 percent of your balance PLUS interest PLUS fees or XXXX. I have never paid such a high monthly payment on a credit with only a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: MARINER FINANCE, LLC
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have made several attempts to contact AAA collections to work out payments with them. She told me she could n't set up a wage assignment with me unless I paid XXXX biweekly, I explained to her that I have a XXXX husband and XXXX small children and could only afford XXXX bi-weekly. She said she would send out the wage assignment. I called her a week and a half later, and told her I still have n't received her paper work. She said she was not going to send it until she put a judgement on me. I do n't understand how that is necessary when I have made attempts to make payments. Back a few months ago an agent had contacted me and I told her I was unable to make payments at the time but I will get back to them. I called back and left a voicemail and no call back. Then they sent me a letter saying that after several failed attempts to contact me, if I do n't contact them they will be forced to file a judgement. I called them and finally got someone. She then told me if I do n't want the judgement on my record that I have to pay the balance in full or give them my debit card number, when I refused and told her I would just talk to my lawyer she all the sudden was willing to work with me. I still have not seen the wage assignments and she has failed to call me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation