BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-21
Company: CONTRACT CALLERS INC
State: GA
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:
On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my broker XXXX XXXX XXXX XXXX : XXXX, NMLS : XXXX from XXXX XXXX XXXX sent a request to Wells Fargo for subordination documents. The {$250.00} fee was paid the same day. Though Wells Fargo states this process will take two weeks, as of today XX/XX/2020, I still haven't received any documents though they are aware my refinance deadline was XX/XX/2020. I have called Wells Fargo numerous times and sent numerous faxes and escalation emails. Their brokerage department tried to coerce me to stay with Wells Fargo, though the rate it is much higher for refinance. I believe that due to my refusal to remain with the bank they are refusing to provide me with the documentation to close the new loan. This is not the first time when I was pressurized by Wells Fargo. I was told if I move my 401K with them, they would give me a better loan rate and would allow me to keep my HELOC.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ACCOUNT THAT IS LISTED ON MY REPORT IS DO TO A DATA BREACH OR FRAUD THIS ACCOUNT NEEDS TO BE REMOVED

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 2015-04-24
Company: ACH Recovery Solutions
State: CO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I spoke to someone from a collection agency about a payday loan I collected in XXXX XXXX, 2011. I did n't have a payday loan during that time. But the people had my Social Security # and the XXXX in 2011. 

I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

The number to the place that called me is XXXX and its called country court and litigation.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
TransUnion is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the 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 non-monetary relief
Consumer complaint received 2017-02-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-25
Company: ACH Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My mother got a call twice on XX/XX/XXXX and then today on XXXX XXXX from a XXXX XXXX at XXXX about a debt that I owe to a online payday loan that was generated back in XX/XX/XXXX and again in XX/XX/XXXX my mother called me about such call and stated that this man keeps calling her house about a debt I owe and he is threating to take court papers out on me if I do not contact him. I called him from my home phone and his number did not allow blocked callers so I called him from my cell number. he indicated that I owe a debt to a online payday loan that I took out in XX/XX/XXXX and XX/XX/XXXX that came to my XXXX account and I requested the true and accurate documents and he stated that I need to go online and research the work " false instrument '' and then for me to go to XXXX and then when I define the word and for me to call him Monday because he is not going to sit on the phone and argue with me about the debt and he hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my virtual debit card was used without authorization for XXXX. I have contacted the bank and they are saying they have done an investigation and found no errors even though after telling me they would provided the merchant contact information they now say they do not have the merchant information. I was at work when this happened and my virtual card is only on my cell phone which was with me at work and no one else has my number or authorization to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: First Recovery Solutions, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
The Bank rollover my Cd without sending me a letter in writing that they were doing that the new CD would .10 percent which will amount to using my money for nothing. when they say to take it out I have to pay him 3 % which would amount to over {$6000.00} currently was the new rule that they in acted without telling me also. The {$6000.00} would be {$3500.00} Over the money earned on the CD in the first place is this right I do n't think so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.

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 2015-08-12
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Colorado Capital Investments, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter from Colorado Capital Investment about a debt I suppose to owe from XX/XX/XXXX. A letter ( Restraining Notice & Information Subpoena ) was send to my bank requesting information about my account without my knowledge never received a letter before today ( XX/XX/XXXX ) about this debt. I do not have any knowledge of owing this debt and also there is no information on the letter as far as contact or who the debt is originally owe to.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: SLM CORPORATION
State: KY
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 cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: DYNAMIC RECOVERY SERVICES, INC.
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:
I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-10
Company: United Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
There are multiple reasons in the list above that apply to this complaint. Frequent calls and calls outside of XXXX-XXXX and they were foul, threatening and abusive to me on the phone. They repeatedly hung up on me when I tried to tell them that I had moved and needed to update my address as I had NOT received notification from them he said I was lying that too much had been sent - he also said that I was a " piece of work '' and on another call said " way to be a good example for XXXX '' ( my little girls name ) how do they have my little girls name? I do n't deny I owe the debt - I am in bankruptcy - he accused me of falsifying that information as well. He said he was n't notified of my bankruptcy - how can that can be true but my not receiving notices because I moved can not? This is the MOST horrible experience I have ever come had in any business manner. I spoke to both XXXX XXXX and a man named XXXX within the same office and they were both MISERABLY rude people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Late fee

Complaint:
To whom it may concern, As far as I am concerned, I do not owe any money to American Express. I paid the balance in full and asked the customer care representative to cancel the credit card. However, it looks like the representative did not cancel the account properly. When I started getting the statement from American Express I called numerous times, but they are picking up the phone call from different foreign countries. Because of their poor communication skills, they have not cancelled my account properly. Now American Express claims that I owe {$260.00} of which {$250.00} is a late fee. I do not owe this because they did not cancel my account properly. Please take necessary action and cancel my account. In the mean time we are informing this to different government agencies including CFPB, BBB, Attorney General 's Office, FTC, etc. and to the public through social media. 
Please cancel the American Express credit card account properly and waive all the charges properly and immediately. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''

Company response to consumer: Closed with non-monetary relief