BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: Navient Solutions, LLC.
State: HI
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 constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ability Recovery Services is at tempting to collect a debt for  XXXX   XXXX . I have never attended  XXXX   XXXX . I have disputed this debt several times with all  XXXX  major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of   delinquency being reported is  XXXX / XXXX / 2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt that NATIONWIDE RECOVERY SYSTEMS Ltd is trying to collect a debt from us that purchased this debt from another company ( 3-4 X 's ) .... XXXX XXXX, XXXX XXXX, XXXX & now we have Nationwide trying to collect it. We paid this debt in full ; the amount of {$1000.00} Date of service, XX/XX/XXXX, Original service provider, XXXX XXXX XXXX and have proof of that on both credit card statements, XXXX XXXX XXXX XXXX XXXX and canceled checks. We sent this information to XXXX and they removed it, called Nationwide today XXXX and they stated that they never received any information from any of the previous collectors??. On XX/XX/XXXX we faxed to XXXX recover system fax number XXXX. It came off of XXXX  and XXXX  for one year, then re-appeared?? Are XXXX  & XXXX  clueless, We also asked for the original invoice, date of service, line by line services and provider from all collectors and guess what, NEVER received it.. XXXX XXXX XXXX in XXXX is the original provider ... Florida and have yet to see it. We will file suit in Florida Court System and let a Judge decide!!! Looks like fraud, Need to call XXXX XXXX and see how many other debt collectors are out their are trying to scam unsuspecting individuals in the US.  Welcome to ask to get more info XXXX Would like to get the feds involved in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Paypal Holdings, Inc
State: NE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Meridian Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.

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 2016-12-22
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: General Motors Financial Company, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed bankruptcy in   XXXX   Chapter  XXXX . It has since been discharged.  General Motors c alled my lawyer and we arranged a day to pick up the  XXXX  as I surrendered it in the bankruptcy. They picked it up  XXXX . My husband filed chapter  XXXX  who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on  XXXX  they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter  XXXX  had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter  XXXX  I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter  XXXX  and it was discharged. This company harassed people at my old house harassed my husband and threatened me.  XXXX  broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2017-05-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: PA
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:
They completely ignored my concerns.

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 2017-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a fraudulent check from a scammer for a bogus job. I deposited the check into my  Wells Fargo bank checking account, The next day, I called the bank,  check my account and asked the banker if the funds were clear and available. I was told yes " the funds are clear and it is available ''. I withdrew  XXXX  out of my account and deposited it into the scammers  XXXX   XXXX   XXXX  account at   XXXX    XXXX   XXXX .  Two days later I received an email from Wells Fargo bank stating that the check was fraudulent. Wells Fargo with drew  XXXX  +  XXXX  dollars out of my account, which emptied my account.

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 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted  XXXX   XXXX  on  XXXX / XXXX /  XXXX   regarding a APR decrease since my APR was at 27.34 %. I was told after speaking to numerous agents and finally requesting and was allowed to speak to a supervisor. The supervisor stated there were numerous accounts like mine that  XXXX   XXXX  had bought out and these accounts never qualify for a rate reduction. I explained that I 've had this account for 12 years and found it odd that there were no rate reduction. At that time it was explained to me that  XXXX   XXXX  never notifies cardholders they 're entitled to a rate reduction and that I would have to continually call in and request one. I stated that appeared to border on fraud and that they 're attempting to hide this from customers. I was told they would escalate my issue and I would receive a call back. I was then offered a {$50.00} credit to help with the interest rate. I never received a call back and contacted  XXXX   XXXX  again on  XXXX / XXXX /  XXXX   regarding this same issue. I was connected to  XXXX ,  XXXX , in VA after speaking to another representative.  XXXX  informed me that after reviewing my account I would not qualify for a rate decrease. I expressed my displeasure with this outcome and had her review my account for any offers of a rate decrease. In 5 years that the account has been owned by  XXXX   XXXX  there was no indication I ever qualified for a rate decrease and in the 7 years prior to that it was the same answer. I asked was this due to my payment history are balances and was told neither were an issue. I indicated that I was aware that none of the accounts that  XXXX   XXXX  buys qualify for rate decrease and this was a more systemic issue that appears to border on fraud. I asked exactly how many accounts did  XXXX   XXXX  own in my predicament,  XXXX  refused to answer the question. I informed her that I would be turning this issue over to the CFPB for review and I requested to close my account. I also reminded her that I  had 2 other accounts with Cap One that had no where near the APR on this card. The account was subsequently closed, however I would not have closed it if my APR had been reduced. Also I believe Cap One engages i n systematic fraud by where they charge exorbitant APRs then place the owness on the customer to figure out if they qualify for a lower APR. How would the customer know that on their own when  Cap One  holds all the cards in this arena and should have a duty to notify their customers if they qualify for this benefit. They know how to notify a customer of a late payment, so why ca n't they notify them if they qualify for a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Stearns Ventures, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.

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 2017-05-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Anytime I try to request my Experian credit report from  annualcreditreport.com, I  receive the following error : A condition exists that prevents Experian from being able to accept your request at this time.     I 've attempted to request it multiple times over the last year, being met with the message each time. I have had no issues requesting my report from the other agencies, and do not have any additional security measures in place. A quick look online yields that many others have run into the same problem, specifically with Experian.

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 2017-05-12
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was denied mortgage relief assistance thr  ough the S.C. Help Program. I went to apply for help though the S.C. Help Program, and I was told that Citifinancial did not participate.
I am not the only one that got the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a piece of jewelry from a store in  XXXX  and they provided a 15 month no interest loa n from    XXXX   XXXX   XXXX   XXXX  . I paid starting in the first month and had all but {$900.00} of the {$12000.00} paid off in 15 months and was about to make the last payment when I got a bill for {$3400.00} in interest. My understanding from the salesperson was that I would have a high interest rate on any unpaid balance like every credit card I have and I have very good credit. Unfortunately the fine type says you are charged interest on the entire amount of the loan even if you only owe a little. I have never heard of a credit card that works this way. I paid it off and would be ok with the interest on the unpaid balance but wells fargo is charging interest on funds I paid over 15 months ago. They offered me a 15 % discount if I paid immediately today. This still cost me {$3000.00} in interest on a loan that was paid off. This ca n't be fair business practice

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 monetary relief
Consumer complaint received 2015-07-14
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed a refinance on a commercial property XXXX 2015. In XXXX, we paid the first monthly payment to XXXX XXXX, as instructed on closing documents and the mortgage statement we subsequently received in the mail. The check cleared our bank account on XXXX XXXX, 2015, which is when the payment was due. XXXX XXXX sold the loan to Midland Loan Services on or about XXXX XXXX. As of today, XXXX XXXX, 2015, XXXX XXXX has not notified Midland that this payment was received, and Midland wants to charge fraudulent late fees in the amount of {$3000.00} for a payment that was made on time.

Company response to consumer: Closed