BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: Marel Consultants Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.

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 2021-07-27
Company: EQUIFAX, INC.
State: FL
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:
Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.

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 2021-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are addresses, inquiries and accounts listed on my credit profile that are NOT mine nor did I authorize the release of this information. Please remove them immediately as they are hindering my credit. Thank you.

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 2016-08-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
Pusuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank! Synchrony Bank did not provide the documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section Synchrony Bank did not honor my dispute! They just sent correspondence saying the account was sold to XXXX XXXX XXXX which is a direct violation of the FCRA! 

( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of 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 2015-07-27
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: AZ
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Complete Credit Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For the past month, Complete Credit Solutions has been calling and harassing an older, distant relative of mine. This person lives in a different state from me.

My relative informed me that she has been receiving phone calls an average of 2-3 times per week from CCS. The calls began in XXXX of XXXX. Specific dates her number was called on are XX/XX/XXXX, XXXX, and she states they called at least twice today ( XX/XX/XXXX ). 

Although she repeatedly informed the collector that she was not me, and that I did not live at the residence, she was still pressured by them. They told her that I would be in " serious trouble '' if I did not pay the debt, and asked her to pay it on my behalf. They disclosed the exact amount of the debt owed to her, and even offered to send her a letter detailing the debt. 

She only recently notified me of this, because she was so concerned that she was about to just send them a check for the amount they claimed I owe. 

It should be noted that I recently filed disputes with all 3 credit bureaus, as I believe this account is invalid and the information on my file is incorrect. It has been removed from 2 out of 3 so far. I believe this dispute is what has prompted the desperation from the collection agency.

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 2016-01-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Southwest Credit Systems, L.P.
State: AZ
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:
XXXX HAS SOLD OR OBTAINED A CREDIT COLLECTION COMPANY ON XX/XX/2021. THEY HAVE BEEN INFORMED BY MYSELF MULTIPLE TIMES THAT THIS DEBT DOES NOT EXSIST. NOW THEY HAVE BEGUN TO NEGATIVELY AFFECT MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: NCB Management Services Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
have send a dispute letter to XXXX  and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, NCB Managment and XXXX  XXXX  is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested original documentation from Midland Funding of my signature on original creditor documents. They said they didnt have it. I asked them to provide more than a statement showing validity of debt from origination of credit line and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I started receiving correspondence from the bank in XXXX 2015 stating that I had overdraft fees. I immediately opened my bank statements online to find out what was happening. I noticed that I had charges from XXXX and XXXX XXXX. I contacted the bank and told them the charges were not authorized and that I did not understand why I was being charged overdraft fees from them for unauthorized charges. They told me to contact the companies and see if I could have the charges reverted back to my account. I was informed that if the companies refunded the charges the overdraft fees would be refunded to my account. On XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX refunded most of the charges. Today I called my bank to have the non sufficient fund charges refunded to my account and was placed on hold several times with the ending result being informed I would have to receive a return call. When the agent, XXXX, returned my call she said she had spoken with her supervisor who informed her to tell me that they would not refund the insufficient overdraft fees because the company had refunded the charges. I do not see how this is fair since this was not my fault. I followed the procedures that I was given my the agent in XX/XX/XXXX. The companies did reimburse. The bank is the one who allowed the charges even though I did not authorize the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.

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 2017-03-28
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: Quality Loan Service Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.

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 2015-03-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After filing for Chapter XXXX Bankruptcy this creditor, Synchrony Bank ( XXXX XXXX XXXX XXXX ) continuously calls XXXX times per day. They were listed as a creditor in my bankruptcy petition and were sent notification of the filing over XXXX month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.

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: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received what I thought was an interest free credit offer from Apple using their Goldman Sachs credit card arrangement and purchased XXXX XXXX  My auto pay checking kept paying Goldman its monthly charge while I accelerated my payments to close out this small debt. I finally realized I had overpaid on my account by more than {$2000.00} but continued to be billed monthly by Goldman as if I still had a balance. 

XXXX lengthly phone calls with them produced nothing. the last call was with a " supervisor '' name XXXX who agreed that Goldman owed me money but could do nothing but refer it up their chain. Never received confirmation- via email or text - of my hourlong conversation nor was the billing stopped. 

My first call to Goldman was in early XXXX when I asked for - but never received - an accounting of my account with them. Their resolution was just to continue to bill me which they are still doing as well as charging me interest on this phantom debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is report, yet again, another a problem with MOEHLA student loan servicing. This time, the web site 's secure message center seems to be XXXX XXXX  or worse, the company has completely removed the ability to e-mail the company with a question. 

Tonight, I tried to send a message to the company in order get more information about its claim to offer a " CASHLoan 3 % Interest Rate. '' According to the website, " Interest rates may be reduced to 3 % during XXXX XXXX XXXX ... .Eligibility is based on XXXX XXXX  status reflecting on the SCRA Website. '' Yet that is it. There is no further information. 

When I attempted to go to the MOHELA secure message center in order to submit a question, the process totally and repeatedly failed. It appears to no longer be possible to send a message. Rather, unsuspecting customers are first lured into a secure message center that looks real. But upon choosing a subject from a drop down menu ( of which are severely restricted ), the site only allows you to choose from a preset subject. Upon clicking the preset subject, the site simply displays a small narrative -- much like a FAQ section. In my case, I selected " other. '' MOHELA displayed " Sorry, messaging is not available for this topic. " In sum, tonight MOHELA is blocking customers from submitting questions to the company via e-mail. 

My hope is this is just a temporary IT error. However, knowing the company for as long and as well as I do, this is likely the beginning of yet another way to reduce service to customers by a company with little or no oversight of there employees that promotes an anything goes/no controls environment. Thank XXXX for the CFPB to investigate and pursue an enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation