BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: TX
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. 
Im extremely frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Clear Debt Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management based out of XXXX XXXX, CA. called me today attempting to collect a debt that was charged off in 2008 from XXXX XXXX. I understand that the statute of limitations is 4 years which XXXX XXXX of Midland Credit acknowledged they were, in fact, attempting to do.
He did offer to take me off the contact list but here is my concern. If the law states that they are not to make an attempt to collect the debt, who else are they calling beyond the statute of limitations that are unaware of this?
As a victim of the banking industry fall out, I was laid off, lost my home due to foreclosure as once I did obtain work I did not qualify for a reorganization of my loan as I was not upside down and retained equity on the property, hence the foreclosure which the bank was able to recover the entire balance of my loan. The years to credit recovery are long and I have not yet fully recovered and my situation I can say is likely better than most. Who else are the credit agencies contacting? This is a normal practice for them and citizens should be protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-05-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.

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 with explanation
Consumer complaint received 2016-06-24
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I do n't even know where to start ... 
When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The accounts in my report are reported inaccurately. The balance and dates are wrong, accounts still reported when should be gone long ago.

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 2016-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, am not agree with Pennymac denial decision about my loan modification request. I purchased my home in XX/XX/XXXX and have interest rare of 5.75 %. I am XXXX due to my accident that happened 3 years ago and I went through some XXXX. I was receiving XXXX benefit. With XXXX income I was not able to pay my payment and all other expenses, as a result, I discontinued my XXXX benefit and got a job. I am working 8 hours a day and babysitting evening and weekend to be able to pay my dues. I have a XXXX-years old daughter that needs lots care and attention because my husband left us on XX/XX/XXXX, after we spend all of our saving to pay our housing expenses, due to his business failure on XX/XX/XXXX and gone through XXXX due to economy weakness. I am not able to pay the high interest rate mortgage because with the amount of time I spend to just keep up with my mortgage I am losing my attention to take care of my kid as well as my physical health. Pennymac offered me to sell my home because there is some equity on it. This is not good option for me because renting a home in my area is much higher than my mortgage. I bought my home to keep it and have a stable home for my kid. I am trying to keep a roof over my daughter 's head. I need help to be able to modify my loan. If Pennymac modify my loan I can be worries free and work less to be able to spend sometimes to take care of my daughter health and education. I need Pennymac help to work with me and reduce my rate. I got help form family and friend for past but they stopped their support. I am a single mother with no any other source of back up or saving and would like to keep my home which is my daughter and I future investment. I am asking Pennymac to help me out on my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Hillcrest Davidson & Associates
State: TX
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:
Company keeps calling and asking for another family member that does not live with me, nor am I responsible for his actions. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I filed identity theft also filed complant with FDIC THE ACCOUNTS THE ACCOUNTS SHOULD BE DELETE.

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 2016-01-28
Company: Capital Management Services, LP
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Stellar Recovery, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.

Company response to consumer: Closed with explanation