BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Specifically, Capital Accounts failed to provide me with any written debt validation notice regarding any alleged debt before reporting any information to credit bureaus. They failed to provide me with any notice at all of my rights to dispute the validity of such debt within 30 days. They failed to provide me with any notice of my rights to obtain the name and address of the original debtor within 30 days. They failed to verify that I am responsible for this alleged debt. They unlawfully designed, compiled, and furnished information regarding a debt allegedly owed to a creditor knowing that such information was intended to create the false belief to credit bureaus that their company is participating in the collection of and attempting to collect an alleged debt that I allegedly owe to a creditor, when in fact, they are not in any authorized capacity to do so and no creditor has given any such authorization. 

I requested in writing that they provide me with all of the documentation listed below and they responded with the attached letter only that their client, " XXXX XXXX '', authorized them to report the debt as a collections account to credit bureaus. They did not provide any documentation to verify that I owe any alleged debt. They did not provide information regarding services rendered for the alleged debt. They did not provide the full mailing address of the original creditor for the alleged debt. They did not provide documentation of any signed contracts or agreements with the alleged creditor. They did not provide documentation showing they have verified that I am responsible for this alleged debt. They also did not provide documentation showing they are licensed to collect debts in the state of New Jersey, which they are NOT. 

I have also have written to the credit bureaus regarding this matter and I am awaiting a response and hopeful deletion as well. Further, I contacted XXXX XXXX billing department and I spoke with them. They stated that I do not have any past due balances. They are my current medical care facility. Further, they stated that they did not authorize the collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Green Trust Cash, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Best Buy credit card account with Citibank.I have been a member with them since XX/XX/XXXX. I have been paying on my card and recently paid a big Chunk and paid the card off to a XXXX balance. Before this, I have noticed that when I was making payments every month. It seemed as though my balance was not decreasing the way it should have with my payments made every month. 

I made a call in XX/XX/XXXX when I noticed on my statements I have been charged every month for something called Debt protection.? I have never authorized this. When purchasing something at Best Buy they ask if you want the 18 month interest free program or pay it all and receive rewards. Never have I been late on a payment or missed any payments. Best Buy representative transfers me to this debt program. 

When speaking with the Debt program they say I signed up with them back when I opened my account. I never marked such box. Then they told me they would refund the charges back to me by mail in 30 days. 30 days go by and nothing. I call again XX/XX/XXXX. Best Buy sends me to Citibank and they tell me there's nothing they can do for me. Then once again I'm transferred to the Debt program. Who informs me again, another 30 days for them to send a letter of a refund or not. Now there story changes. I asked for proof of it saying I needed this debt protection plan. They have not provided it and keep giving me the run around. Once again telling me it will take another 30 days. When I asked why am I being charged for something every month when I have never been late or needed help paying my payments? They can't give me an answer. This is fraud!! They have been ripping me off and I have two years of statements that Best Buy would let me pull off my statements. Adding up to {$400.00} since XX/XX/XXXX. I have attached the letter they sent and some of the statements with the amounts they have pulled in the past two years. For it will not let me attach more than 10 MB. Also, I had a DVD the balance was {$10.00} and they charged me {$14.00} ( debt ) so my balance came to {$24.00}. So now I paid more to them on that balance than my dvd costed me. Sometimes they charged me almost {$30.00} a month! If you would like to see all statements please let me know if there is a way I can send all of the past two years?

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 2020-03-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
No income during Corona virus. Need to defer mortgage payments and pay on back end of loan

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 2017-01-23
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: XOOM CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FTC Report Number XXXX XXXX XXXX XXXX Dentist stationed in XXXX, CA-moving to XXXX in XXXX. Responded to XXXX ad for " mother in law XXXX XXXX XXXX XXXX XXXX, XXXX, TX. XXXX XXXX XXXX ( XXXX listed as XXXX XXXX ) at XXXX. Viewed video of unit, scheduled phone call to discuss living arrangements. A woman called me from XXXX, we talked about the unit. She asked for a date of birth for background check which I provided. We later texted about the lease-she sent over signed lease form with requested refundable 1 month security deposit via Bank transfer ( XXXX XXXX number in lease ). I signed lease electronically and sent transfer via XXXX XXXX Xoom feature. A few weeks later, received form text stating that " we had to leave country for tragic emergency '' and requested address and deposit amount to send check. I became suspicous and texted back confirmation-no reply. I then emailed previous address and email was returned as undeliverable. I realized that this was attempted identity theft and filed FTC report. I also placed alerts on bank accounts, credit reports, and am filed police report. I am filed with bank and received funds back. I believe that woman was not " XXXX XXXX '' and that she took information from the real XXXX XXXX 's online information ( husband 's name, work status, etc ). This person now has my name, personal email address, personal phone number, date of birth, and signature ( electronic ). Person does not have my bank information as I sent via XXXX. XXXX Xoom has sent me to collections for money owed, stating that since I authorized the transaction it was valid and I need to pay them. I called over the phone on XX/XX/XXXX and explained the identity theft/fraud but they stated they still considered it valid and I needed to pay the money. I offered to send the FTC, police and bank report and they declined. I stated that I would file with the CFPB. The case number for XXXX Xoom is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already disputed the fraudulent accounts reporting on my credit yet some of the accounts are still reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I REACHED OUT THE COLLECTION AGENCY AND ASKED FOR VALIDATION OF DEBT 2 TIMES, NEVER RECIEVED VALIDATION OF DEBT AND REQUEST NO CALLS FROM THIS AGENCY, AND RECIEVED A CALL FROM A DIFFERENT AGENCY, AT FIRST IT WAS XXXX XXXX AND NOW ALLIED COLLECTIONS, WHICH THEY ARE AT THE SAME ADDRESS UNDER THE SAME UMBRELLA, SO THEY SHOULD NOT BE CALLING ME AT ALL .... AND ALSO I STILL HAVE NOT RECIEVED VALIDATION OF DEBT, ASKED FOR THRU XXXX DISPUTING ACCOUNT AND CALLED COLLECTION AGENCY IN 2020 AND STILL HAVE YET T RECIEVE THE VALIDATION I OWE THIS DEBT, THE GIRL THAT ANSWERED ONLY WANTED TO ARGUE WITH ME ABOUT WHY I HAVENT PAID AND TOLD HER THEN NOT TO CALL ME. AGAIN PLS SEND ME VALIDATION THAT I OWE THIS I GET IT OFF MY XXXX, NEXT STEP WILL BE TO HIRE AN ATTORNEY FOR LAW SUIT!!!!!!!!!

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 2020-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've had this problem for a long time. I need this them removed. I've turned in all of the documents. The accounts are still on my 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Balances would not reflect deposits or funds would not be available which then caused fees to account although moneys were in 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 2016-04-08
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been consistently given false and misleading information/instructions from Seterus regarding my attempt at a loan modification over the past several months which has resulted in a potential foreclosure of my home, escalating late fees and severe emotional distress. I have literally spent the equivalent of DAYS on the phone with countless Seterus representatives. I need to waste time explaining the facts to them over and over while also being asked to submit the same documentation over and over again. Most recently, I followed the exact advice received from a Seterus representative on submitting my divorce decree as part of my modification packet. Following 8 months of review and further mistakes in handling of the documents by Seterus, I was informed by one of their supervisors that I should not have listened to their representatives 8 months previousand that the same documentation was required that I was told would not be required. Their pattern of blatant misrepresentation has caused me to lose sleep on most nights as I worry about whether I can stay in my home. I made all necessary trial payments for the modification and only waited to sign/execute the final papers last week when I learned of the newest swerve from Seterus. There is a foreclosure sale date of XXXX XXXX, 2016 and I am seeking immediate resolution in the form of the modification agreement that was originally agreed to. I have never formally complained about a company before in my entire life but I feel compelled to say that Seterus has by far the worst customer service I have ever experienced. They are either just inept or fraudulently malicious and I am shocked that regulators continue to allow them to be in business given the sheer number of others who obviously have had similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I found inaccurate information on my credit report and I disputed with the credit bureaus I talk to a supervisor Name XXXX he told me If I didnt like the results from the reporting agency he told he me even though the information I disputed is incorrect if the creditors tell them that it is correct even though they can verify that it is indeed in accurate that the credit bureau still has to report the in accurate information as accurate And then he told me that if I did not like the results then I can go and complain to the CFPD According to the SCRA if I dispute in accuracies on my credit report OK and the credit bureau cant even verify that the Information being reported by the creditor is in accurate then according to the SCRA the credit bureau must remove the in accurate information

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 2015-11-04
Company: Account Control Technology, Inc.
State: DE
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Illegal and Improper contact from third party debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: Account Control Technology, Inc.
State: TX
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 got this call telling me about a student loan, that is under investigation, while I 'm already paying my loans with an creditor that I 'm using. They would n't listen to my response to not to call, and keep on with their business.

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 2021-03-18
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2021 a dispute was filed with Equifax, XXXX  and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX, equifax, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.

Company response to consumer: Closed with explanation