BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-08
Company: AES/PHEAA
State: WA
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:
I had XXXX private student loans serviced through American Education Services ( AES ). In XX/XX/2016, AES sold XXXX of those loans to XXXX, and I now pay them through XXXX. The problem is that this sale doubled my monthly payment on these XXXX loans : I used to pay just {$50.00} a month to AES ; now I have to pay {$50.00} a month to both AES and XXXX. This may not sound like a big deal, but I have XXXX other, larger student loan payments every month as well, so this new payment is creating a financial hardship. It seems highly unfair that my monthly payment can be doubled due to the internal business workings of my loan provider, and not any action I 've taken or could have taken. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My original complaint regarding dead air calls Case Number XXXX went unanswered by XXXX Associates. I am filling a new complaint as I am again receiving repeated dead air calls. 
XXXX Associates XXXX XXXX XXXX XXXX, FL XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX Associates were required by the FDCPA to cease collections. I am again receiving harassing illegal dead air calls from their phone number XXXX to my cell XXXX. 
Just a few of the recent calls : XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Ray Klein, Inc.
State: WA
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:
Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-03-23
Company: On-Site Manager, Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..

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 2017-01-12
Company: D2 Management LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX

Company response to consumer: Closed
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I sent the XXXX XXXX XXXX EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report. 

the XXXX XXXX XXXX stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer. 

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report. 

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please 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 non-monetary relief
Consumer complaint received 2016-03-04
Company: Commercial Recovery Systems
State: MA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by CRS ( Commercial Recovery Systems , Inc. ) about a debt they claim belongs to me in the amount of {$1200.00} for a payday loan. They would only tell me the year and amount of the debt and refused to give me any more information. I assure you this debt has nothing to do with me. They said that it was already handed over to their legal department and I would now be getting fraud charges added onto the pending lawsuit against me. They refused to give me any sort of documentation for this debt, and I have never received anything in the mail regarding this. I need these calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XXXX 2016 I had called in to Citibank to apply for a new Citi Prestige card. When I was connected with a phone representative they had informed me that I should simply transfer over my account from my current Citi ( R ) Diamond Preferred ( R ) Card. At that time I specifically asked whether or not I would receive all of the same perks by transferring my account versus applying for a new account, and explicitly asked about the XXXX reward thank you points promotion which was the reason for my application. I was told that I would receive the XXXX points as long as I had spent {$3000.00} within the 1st 3 months of the account being opened. At this point I instructed the phone representative to transfer the account. 
Approximately 3 months later in XX/XX/XXXX I called Citibank again inquiring as to why I had not seen my bonus rewards points apply to my account since I had spent nearly {$10000.00} at that point. This new phone representative informed me that because I transferred my account that I was not eligible for the XXXX point reward. I informed her that I had been unequivocally told by the representative who signed up my account that I would be receiving those points and that that incentive was the reason for my opening the account. I also told this representative that if she went and found the recording of my initial phone call she could verify what I was told. The representative let me know that it would 48 hours to track down the recording of the phone call and that she would return my call at that time. 
4 days later I received a call back from the representative informing me that because the initial person I talked with when I set up my account was overseas ( how is it my fault that they routed my call there?! ) that they could not track down the call recording and therefore would not be issuing me the rewards credit that I am due. 
As mentioned this rewards credit was specifically advertised, explicitly addressed during my application phone call, and was the reason for both my initial application and my spend of nearly {$10000.00} on this new account. 
Citi owes me that rewards credit or the {$800.00} value of the flight that it would purchase.

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 2015-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Went on line to pay my Credit card in Full -- wording says- to pay in full -- I paid in full but when I got my bill there was still a finance charge applied -- why did they say to pay in full??? Also my statement has the same verbiage -- shows I should have a XXXX balance but they still are charging interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02
Company: Rubin & Yates, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Rubin and Yates LLC XXXX from New York on XXXX/XXXX/2015 threatened to have my wife arrested and have her picked up on her job in regards to a delinquent payday loan. Also they told her the debt be would settled for a different amount than we are being asked to pay.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02
Company: NAM National Arbitration and Mediation
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Hi, I submitted a complaint on XXXX XXXX, 2016. The case number is : XXXX. Today I received another call from the same person, XXXX XXXX, stating he worked with XXXX XXXX XXXX ( which does n't exist as a debt collection company ). He again threatened my husband to show up at my house and his place of employment with the sheriff. He again stated that he had summons to serve and if he did n't receive a stand down order my husband would face penalties. Once again, he did n't acknowledge that he was a debt collector. He did not leave the name of the company he supposedly represents. The company name is XXXX XXXX XXXX Services. I 've already asked them to stop calling my number. They still keep calling. The last time they threatened to show up, they never came. We 've never received anything in the mail from them and we do n't even know what they are trying to collect for. I just want it to stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: AR
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:
I have tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Portofilo Recovery has been calling me 3 to 4 times a day on a debt that I know I do not owe. I have told them to cease all calls and send mail via for communicating purposes. Since XX/XX/2017 I have received more than 4 calls a day and they are very rude. I sent them a letter for them to cease all calls but they keep calling with threats of jail time and or court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
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 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.

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 2016-04-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.

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 2017-04-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've tried to open an account with Chase and they said I needed proof of address with a cell phone bill. I provided a printout of the statement from XXXX XXXX and they still denied me of opening up an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Riexinger & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX/XXXX/15 my husband received a call from Riexinger and Associates asking for me. I did speak with representative who stated she had been retained to handle debt ( old XXXX account that had been purchased several times over ). I asked rep. who the attorney was. She stated this is Riexinger and Associates. I said yes, you stated you had been retained. Who is lawyer. She repeated same statement. Mind you she had not verified who I was at all. Most companies will ask SS # address etc. She just kept talking. I said to her so you are a collection company not an attorney and she said yes. I proceeded to hand up due to rep. making false and intimidating tactics.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BB & T bank rearranged my transactions to maximize the amount in overdraft fees I would accrue ... Taking transactions that occured literally DAYS BEFORE the transaction that actually caused my overdraft ... I agree to one overdraft plus the amount that actually overdrafted my account ... .NOT the five overdrafts they are lying about and saying I owe them ... .This is predatory behavior and needs to stop

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