BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.

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 2016-08-12
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I enrolled in XXXX classes in XXXX of XXXX. I completed the course XXXX XXXX. When you are are enrolled at least half time your student loan status us supposed to be in a deferment status. When I started class my payments were not due.after months of receiving late notices I contacted the lender.They said they were n't aware I was a student, that my school was n't is n't the system.they sent the documentation that needed to be filled out and signed by my instructor. I had it all completely filled out as instructed, signed, and returned. I was denied the student deferment and my account is still in a late status. I do not see how this is at a fair. I 'm already paying triple the amount for an XXXX XXXX through this lender and ca n't afford the loan as it is. I was very young when I signed for this loan, not knowing my options. I 'm XXXX now paying for the misguided XXXX old that signed a loan thinking I would make such a great living and pay this loan off in no time! The least they can do is work with you when you are furthering your education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was sued with judgment from a collection agency Eichenbaum and Stylianou- XXXX XXXX. I did begin paying after receiving documents filed in XXXX and threats via phone by the company representative, XXXX XXXX XXXX that there would seize everything in my possession and be a lien and garnishments from my bank account and However, on XXXX XXXX, XXXX I received another letter from a different agency for the same collection. This peaked my curiosity. So, I then contacted the phone company which no longer had records of this bill from XXXX. I contacted E & S advising that I would cease payment that the phone company had no records of and that another agency was also trying to on for a different amount beacause I had felt that this had seem fraudulent. In XXXX, a judgment was entered for {$1700.00} for breach of contract. In which I was unemployed at the time. However, I was told that I still must submit a payment.. I contacted the courts and submitted a letter to the court and E & S advising of my employment status. 
In the past year XXXX E & S now changed to XXXX ( XXXX XXXX ) has contacted my relatives looking to collect this debt. My address has not changed. This debt is neither in my credit report nor in public record. A few days ago I received a letter for garnishment of wages. So, I contacted my local court whom advised that the docket has not changed since in over 6 years - yet their letter refers to the docket from when it was filed XXXX and updated in XXXX. So, I really do n't find their collection practice as being legal as 1- the phone company has not record of this. 2. Another collection agency was trying to collect on it. 3. Courts has no updated info regarding the suit nor of a garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BARCLAYS BANK DELAWARE
State: TN
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:
Card was set up without my consent. My wife made payments but the card was never used by me or my family.

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: XXXX XXXX Account Type: Revolving Account
Balance: XXXX
Date Updated: XXXX Last Payment Made: XXXX
Pay Status: >Charged Off< Terms: Paid Monthly
Date Closed: XXXX Page 3 of 52 Loan Type: CREDIT CARD High Balance: XXXX
Original ChargeOff: XXXX
Credit Limit: XXXX Past Due: XXXX 
>Maximum Delinquency of 120 days in XXXX and in

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 2015-04-08
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was called from XXXX on XXXX/XXXX/2015 at XXXX reguarding a debt with XXXX XXXX XXXX. The person who called me did not identify the name of the company and simply asked for me by my first and last name. When I said yes XXXX said that she was calling for a account with XXXX XXXX XXXX and I owed {$1000.00} something then went into settlement and payment options so much as offering me a settlement at 50 %. There was no mini Miranda given at any point and I was not notified the calls could be recorded and did not verify who I was by using verification methods such as last XXXX of the social security number or mailing address. I told her I would call back. I recieved a call at XXXX XXXX XXXX/XXXX/2015 and the same person left a voicemail stating I did not call her back. I called back their number XXXX ext XXXX. She again did not identify the company name. I gave her my phone number and she looked up the account and again simply asked for me by first and last name. I asked how much is owed and she went right into the account. I asked her if she was a debt collector and she said yes so I asked why she would give out personal information without verifying who i was. She stated that she asked for me by using my full name middle name and suffix included which she did not. I told her that she did not disclose a mini Miranda as well nor state the calls may be recorded. She said she didnt have to give me a mini Miranda and I asked to speak to a supervisor. She said she would transfer me and she then hung up. I called back and she said she did not mean to hang up with sarcasm in her voice and transfered me to a supervisors voicemail. I left a message stating that this is the XXXX time in less than XXXX hours that information has been given out without proper verification and have not received a call back. It took me looking up the phone number on XXXX to figure out the name of the company is National Credit Adjusters and this is not the XXXX time they have done this. I could have easily given the phone to someone next to me and they would have given any information that the person asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I started financing a car through drivetime in XXXX of 2013 and they are not reporting my payments to the credit beruae. my mom cosigned for me but the company flipped it and now she looks like the buyer and i look like the cosigner. in a result of this they are not reporting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
This card is like the other. It was set up without my consent. My wife even made payments without knowing. 

CAPITAL ONE, N.A. #  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  , UT  XXXX 
  XXXX   XXXX  
Date Opened  XXXX   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ;   XXXX   from   XXXX   to   XXXX  
Credit Limit: Credit limit of  XXXX  from   XXXX   to  XX/XX/XXXX ;   XXXX   from   XXXX   to  XX/XX/XXXX 
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX    XXXX    XX/XX/XXXX   XX/XX/XXXX  1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The cfpb contacted Bank of America and you did n't resolve my Parent Plus loan of {$42000.00} problem. Your agency admitted that Bank of America added on origination fees of over {$10000.00} on a loan of {$20000.00}, plus interest totaling  XXXX  in less than one year. Bank of America owned the  XXXX  and it was supervised by   XXXX   XXXX    and  XXXX . All of these agencies are " highway robbers an thieves. There is not on government agency in America that has made the accountable. Bank of America refused to send my private attorney   XXXX   XXXX   the response letter. I do n't even have a copy ...
In closing I am a   XXXX   year  XXXX  patient with 10 years of payments and a remaining balance of {$25000.00}, is there any HELP in America?

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 2015-12-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with PennyMac in XX/XX/XXXX. I signed up for bi weekly payments in order to reduce interest and shorten the term of my loan by making an extra payment every year. In XX/XX/XXXX, I requested that they suspend a payment so I can keep the principal only payment. The payments continued to come out of my account. As of XX/XX/XXXX, the bank has mismanaged my payments and suspended payments causing multiple problems with my account. My principal and interest payments are incorrect and the account still has n't been resolved as of today, XX/XX/XXXX. I spoke with multiple reps, but just started keeping track of reps that I spoke to. On XX/XX/XXXX, I spoke to XXXX at ext XXXX. Then on XXXX XXXX, I received a collection call from XXXX requesting a payment. Then I received a collection letter dated XXXX stating my XX/XX/XXXX payment was never received even though I am on a bi-weekly payment plan. Then I called on XXXX XXXX and spoke with XXXX at ext XXXX who said she would request a complete analysis of my account from the first payment. I had a scheduled payment that was supposed to come out on XX/XX/XXXX that has not come out yet. As of now I am paid up for the month of XXXX, yet my account is still in the collections department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Left XXXX XXXX after a semester once known that none of it would be credited, and school closed down shortly after. Never gained any credits or anything from that school, Naviant denies loan forgiveness even though itt tech was sued for fraud and discredited by Department of Education. Not only that Naviant is now being sued for fraud in the same timeline this it happened. They did not help or give much choices, just you can postpone until you pay the amount. Both insitutions were conducting fraudulent activities preying on low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my XXXX and XXXX reports.

CITIZENS ONE HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Date Opened: XX/XX/XXXX Responsibility: Individual Account Account Type: Mortgage Account 
Loan Type: SECOND MORTGAGE Date Updated: XX/XX/XXXX Payment Received: XXXX
Last Payment Made: XX/XX/XXXX Original ChargeOff: XXXXXXXX
Pay Status: >Account paid in Full; was a Charge-off< Terms: XXXX per month, paid Monthly for 180 months Date Closed: XX/XX/XXXX >Maximum Delinquency of 120 days inXX/XX/XXXX and in XX/XX/XXXXfor XXXX< High Balance: High balance of XXXX from XX/XX/XXXX toXX/XX/XXXX; XXXX from XX/XX/XXXX toXX/XX/XXXX Estimated month and year that this item will be removed: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX, i called XXXXXXXX XXXX to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like XXXX XXXX  to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated

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 2017-05-05
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX.
I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party.
I have asked them to Cease & Desist in their continued efforts to contact me about this.
Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX  and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CAC Financial Corp
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: CA
Product: Credit card
Issue: Other

Complaint:
I Am a nine ( 9 ) year account holder with Rushcard, on XXXX XXXX, 2015 Rushcard updated their system which was more like a crash leaving myself aswell as XXXX customers with money and direct-deposited funds missing from their accounts. 

When myself and others ( As I have read online ) attempt to access our accounts our money is missing and deposits made to our accounts are lost in limbo with really no answer from customer service and a customer service number that plays elevator music while u either remain on hold indefinately or are hung up on when the line is purposely and repeatedly disconnected. 

Today is XXXX XXXX, 2015 and this has been an ongoing problem since XXXX XXXX, 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at 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 2017-05-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have afraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, non of these companies received any identification or authorization from ME to pull my credit for any reason : 1.  XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: PNC Bank N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted PNC Bank on Monday, XX/XX/2021. PNC Bank said that my account was in the process of being closed. I just wanted to make sure that a cashiers check for the balance of {$3300.00} was mailed to my address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation