BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-24
Company: Capital Management Services, LP
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Mortgage Research Center, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I was searching to get more information on obtaining my VA loan. Through my searching, I ended up calling Veterans United. I entered some basic information for them online, and within minutes received a phone call from them. Prior to this I did not know they were a lending agency, nor did they disclose that with me. I gave them even more personal information and my SSN. At no point, did they say they would be pulling my credit. After the phone call, I was notified through my security apps and credit bureaus that there had been a hard inquiry made on my account from Veterans United. This was all done without my consent or knowledge. I wasn't even interested in finding a lender. Had I known any of the above I would have said no.

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Fraudulent inquiries are still showing on my Transunion 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 explanation
Consumer complaint received 2015-04-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Last year, I finished my unfinished basement. It cost approximately {$40000.00} for heated floors, wall to wall cabinets with granite counter tops, and drywall. In XX/XX/XXXX my basement flooded, causing about {$30000.00} worth of damage. My insurance comany, XXXX, wrote an insurance check for approximately {$23000.00}. XXXX wrote the check out to myself, my spouse, and Wells Fargo Bank. I tried to deposit the check on XX/XX/XXXX, at my local branch in XXXX. Wells Fargo told me that they could not release the funds for several days, and then they could only release XXXX of the funds. It has been almost 3 weeks, and they have not released any funds. I have already paid my contractor several thousand dollars to lay new heated floors and tile. That money is MY money, it does not belong to Wells Fargo. I pay the insurance premiums, and I paid for the initial remodel. Wells Fargo, even though they are the lien holder, does not have a right to hold that money. I need the money from my insurance company to pay my contractor, and they will not release the funds. I have a basement full of furniture in storage, and every day is costing me money. Wells Fargo should immediately release my funds, and should also pay for the delay in my project, including storage fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: ACS Education Services
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Previous - COMPLAINT ID XXXX, Regarding : XXXX XXXX Account Number : XXXX, SUBMITTED ON XXXXExperian response to the filed CFPB complaint, was to follow up with my complaint against XXXX XXXX, XXXX , and submit to me the results of it's investigation. Experian failed to formally investigate the XXXX XXXX account and provide results of the investigation, as requested. Experian continues to allow XXXX XXXX to furnish false, damaging content on my credit report. XXXX XXXX refuses to respond to my complaint.

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 2020-03-07
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am requesting assistance with my auto loan due to my physical and financial hardship. I am a XXXX XXXX   XXXX United States XXXX veteran XXXX XXXX XXXX XXXX I am on a fixed income and had someone else helping to pay for the truck. But the other person injured their back and they are a XXXX XXXX   XXXX veteran also and now we are struggling to make ends meet. I served several combat tours in XXXX and XXXX with the XXXX XXXX XXXX from XXXX XXXX, XXXX  and now settled in XXXX, XXXX the town outside of XXXX XXXX, XXXX. I really need the vehicle for transportation and please request some type of assistance program. My budget is not tight as I am struggling to pay my mortgage payment and pay the electric bill and buy groceries. We just had a newborn babe and finances are limited to make sure diapers and baby food can be purchased. 
I am attaching my military XXXX XXXX letter  as proof of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My Venmo account got hold since 180 days ago, I had filed a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to me then I also had filed a complaint with CFPB again on XX/XX/2020 and I received feedback from Venmo and they told me the different thing saying that " we reviewed your Account again and determined our decision would not be changed. Between XX/XX/XXXX and XXXX, 2020, you received three payments, which resulted in a loss for Venmo in the total amount of {$2000.00}. Accordingly, the funds from your balance will be removed to cover the loss caused by these payments. As a result, we are declining your request to access your Account balance. '' again from the first time promised me I would able to withdrawal my money on XXXX XXXX I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. I had attached all the documents and email I received from venmo please review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.

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 2015-12-09
Company: Rose & Associates, LLC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About a week and a half ago I received a call from a number marked Private, the lady said she was from Rose and Associates and she was looking for my boyfriend to verify employment. I gave her his phone number. 
Today, Wednesday, XXXX XXXX, 2015 at XXXX XXXX I received another call from a number marked Private from a lady claiming she was from Rose and Associates, again asking for my boyfriend. She gave me a return number of XXXX so I called it from my work phone and told her to take my number off of his name. She would n't give me any information about what the call was regarding other than " employment verification ''. I told her I thought it was illegal for collectors to mark their calls " private '' and she said it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I maintain a credit card account and pay each month in full, no balance carried. 
On XXXX XXXX, 2016 an email message was received stating that there was a balance of {$780.00} and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely ignored. 

I insisted on receiving confirmation in writing - and did receive an apology - but nothing stating that the bill was an error on their part. 

Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever, whatever that is. I asked to speak to a Manager, but was told, after another extended wait, that there was no manager present. However, that a manager would call me. 

Had I not been on AutoPay, receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices, and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition, it would seem that the consumer has risk of bad credit report information being submitted by Synchrony based on their broken system. 

This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem, and that the consumer 's account and credit report will not be affected. And, Synchrony should be fined for their failure to properly notify affected clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Public record information inaccurate

Complaint:
TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy. 

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # 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 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.

Company response to consumer: Closed with explanation