BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I got an email 1 day before I was supposed to receive my direct deposit stating that they are updating their account and everything should be fixed as of XXXX that day. The next morning my direct deposit was not on my account got to work checked with my employer and checked my paystub and it shows that they did indeed pay me. I told this to the customer service rep and he said they have maintenance issues and are working to fix the problem i asked what happened to my money and he had no answer for me. I have bills due and i have i 'm now jipped out of {$700.00} that i worked hard for, please help me get my money back and SHUT DOWN RUSHCARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is/was a debt with XXXX XXXX. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2015-04-09
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home and with the sale of my home paid off my XXXX and XXXX mortgage with SunTrust Mortgage. The closing date of the sale was XXXX/XXXX/15 and the payment in full for both mortgages was received on XXXX/XXXX/15 ( confirmed by SunTrust Mortgage ). I am owed a refund of my escrow account by SunTrust Mortgage and XXXX refund checks were issued on XXXX XXXX, 2015 : the XXXX from my XXXX mortgage ( {$360.00} ) and the XXXX from my XXXX mortgage ( {$13.00} ). I received the {$13.00} check on Monday, XXXX XXXX. I have yet to receive the second check for {$360.00}. I have called SunTrust Mortgage numerous times and every time I get different information. the latest of which is that i must wait until 30 days from the date the check was issued to even request that an investigation be opened. I am EXTREMELY frustrated as for 10 years I never made a single late payment. I feel as though I am getting the run around and they are refusing to pay me the money that I am legally owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the cosigner on my daughters student loan. Originally a XXXX XXXX XXXX Select Student Loan. 
It has since been passed on to American Education Services ( aes ). I chose to do automatic withdrawal 's which I was told would allow a .25 % discount to my interest rate. 
Because it is a variable rate I never really knew if I was receiving it or not. There was no indication on my statements. I have gone back through my statements and have added up the portion that was indicated as principle payment. My figure does not match the figure on my current statement. I do not trust that they have my best interest in mind and that their paperwork is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2017-10-09
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.

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 2021-09-17
Company: Alpha Recovery Corp
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been trying to solve medical debt from an incident a few years ago. From the time I have been notified about this debt, I have been working closely with my parents ( under their health insurance ) and with the XXXX account managers to allocate the funds to pay this debt off. Ever time Alpha Recovery Corp. calls me, they are down right abusive. They will berate me over the phone as to why I have not payed off the debt. They also knowingly mock me over the phone. The latest incident was today at XXXX with XXXX from Alpha Recovery Corp. at first she introduces herself and the nature of the call. I tell her that I can call her back on Monday when I have the account number for my XXXX, because I could only make the payment after tonight ( they close at XXXX ). As a solution to the problem I offer to email my account info later tonight and her immediate response is " how is that going to help me? '' in an aggressive and provocative manner. Many times throughout the call I have to warn her to not be aggressive with me as I am working to find a solution to the problem. I had to warn her multiple times. When I tell her that I will call her back on Monday when they are open she immediately responds with " OH YEA, I'm suuuure you will call back '', and " lets see if you actually will ''. Both those phrases were said in a mocking and aggressive tone towards me. Near the end of the call when im trying to discuss how to pay she gets aggressive towards me again, and when I try to warn her, she hangs up abruptly. Also I had told them many times previously that I am working at this time and not to call me, but they choose to ignore that and continue to harass and mock me while I try to find a solution to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the Experian and XXXX credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for Experian and XXXX to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. Experian and XXXX should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. Experian and XXXX does not have proper fraud detection measures in place to protect consumers.

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 2016-09-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery another XXXX agency like XXXX and others who have been fined millions, probably the same, XXXX XXXX XXXX XXXX, is charging me for a debt I do n't even know about. The bank is not even in existence. How can you charge on a debt from a bank that does n't exist? I want this {$500.00} and something removed from my credit report, all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 2021-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The XXXX statement for my USAA credit card was posted on XX/XX/XXXX. It showed Cash Advance balance subject to interest of {$8900.00} and an interest fee of {$95.00}. I have never taken a cash advance on this card. I called the company on XX/XX/XXXX to inform them of the error. The individual I spoke with indicated that is how they account for interest on balance transfers. I previously had a balance transfer, but paid it off before the promotional period ended, and thus should not have been subject to any interest charge on the balance transfer either. I work in the financial industry, so I know that written complaints have to be dealt with, and where the individual on the phone wasn't willing to correct the issue and waive the fee, I submitted a letter to USAA which was received on XX/XX/XXXX. I received an email confirmation that they were reviewing it. This morning, XX/XX/XXXX, I received another email saying the fee is valid and I am required to pay it. I do not believe this fee is valid, and even though it may only be {$100.00} to me, which I can afford, if this company is doing similar behavior with its thousands of customers, especially if they are servicemembers, then I believe it's something that should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Conserve collection agency alleged I owe {$5900.00}, this information is inaccurate and not validated. 
2. Conserve Collection Agency fail to contact me about alleged debt before reporting the debt on my credit file with the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ). 
3. Conserve Collection Agency failed to respond to my validation request letter within 30 days of receiving it. Return receipt and certified mail received and signed by conserve collection on XX/XX/XXXX. Under both State and Federal consumer law I have the right to have my debt validated, while CONSERVE Collection is  obligated to respond within the statutory time limit. 
4. I sent a follow up debt validation letter on XX/XX/XXXX, as a reminder to Conserve Collection Agency with no reply as of date. 
5. CONSERVE COLLECTION AGENCY reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ) this action might constitute fraud under both Federal and State Laws. 
6. Conserve Collection Agency is legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.

7. Conserve Collection requested for copies of my credit report file from the credit bureaus without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Delta Management Associates, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.

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