BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: Receivables Performance Management, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.

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 2015-06-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
There were a few international charges that were flagged by my bank. I immediately called and had the card shut down and a new card was issued. I was told I was not responsible and the money was put back into the account. Several days later the charges reappeared. When I called the bank I was then told that I was given mis information by the analyst. Charges are still occurring days after the card was shut down. Now there telling me that I have to file an investigation when this card was allegedly shut down and the charges were removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I purchased a vehicle from Herbies in XXXX of XXXX. Due to a large car payment we could not afford to maintain the contract. We surrendered the vehicle as a voluntary repossession in late XXXX. The amount of the repo totaled around {$7000.00} that went to collections. This led to a garnishment of my husband 's wages which is our only income because I have XXXX XXXX and I have been denied and appealing to Social Security for seven years now. The garnishment was every two weeks until it was paid in full at the rate of {$450.00} to {$550.00} per paycheck. I know there was a court order to refund consumers per a lawsuit to Herbies/YKS but not to included charge offs. However, I believe that we were still victims of this lawsuit as we did pay off the contract owed to YKS, therefore, we should be entitled to a refund because we paid for these undisclosed fees listed in the court ordered lawsuit. Please notify us of your findings and the reasoning of the results. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my identity was stolen and there are several fraudulent accounts on my credit reports.

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 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
I paid off my balance, with the agreement XXXX XXXX XXXX would report to all credit bureau. They report to only one. The account was resolved. They promise they would report, I'm unable to obtain credit because they failed to report to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
An accidental transaction occured with company XXXX where I have tried to work with them, but are completely unresponsive in this matter. 

An accidental booking occured on XXXX XXXX for XXXX. Which was for a booking on XX/XX/XXXX. I advised them this was an accident and I could not afford this charge. I spoke to the host of the listing, who was willing to refund me afteXXXX XXXX noted the cancellation. I cancelled on XX/XX/XXXX. However XXXX  never did note cancellation and every call I made to XXXX had " promised '' a call back I never received. 

As I do not have these funds. My bank denied the charge. However Paypal is constantly trying to withdraw this money where XXXX  has advised a " delivered service ''. This is not true, as it was cancelled before delivery. Where they refuse to cancel the charge. 

Paypal has closed my cases without my input.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A long time ago I paid off all my loans from school. They are still giving me a hard stating that I owe them money. The loans that I asked to study and go to were from XXXX XXXX. Im receiving mail from third parties stating that I owe money. When I try to call and speak to them. The only thing they tell me is you need to pay and theres no exceptions. In a rude and unprofessional way. My Wife and myself are really concern because we have home for my child and we are afraid they put a lean in are property. Ive been trying to improve my credit for the longest and clear this incorrect debt from student loans. Please assist as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Convergent Resources, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-10
Company: CITIBANK, N.A.
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:
In XXXX, my father opened a credit card with AT & T Universal Citibank for his business. I was added as an authorized user when I became more active with his company to purchase materials, pay bills, etc. I was never responsible for the account or the balance due. According to my parents, the account was closed by my mother with a balance still owed in XXXX. I was told by a loan officer that ran my credit report that I have an AT & T Universal credit card with a large balance listed. After doing some research, I figured out it was my father 's card. The credit card company said they are not able to remove me as an authorized user on a closed account. They also explained that my name is not listed on the account, just my parents. This debt is not mine and its negatively effecting my score and my ability to buy a home. Please assist me!!!!

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 2015-05-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I have been disputing the closed student loans on my Equifax reports for roughly 6 months. I have provided payment histories, copies of contracts, disposition of accrual of interest on loans, letter from the educational institution, XXXXXXXX XXXX XXXX  University, loan verification letter used to obtain mortgages, and copies of all information listed on my loan servicers online account for me regarding all information relating to any student loans that are or were being serviced by said servicer. 
I have sent the same information regarding these accounts to all three credit bureaus. The most recent correspondence from Equifax reflects a perfect payment history ( zero late payments ) but states that my accounts were past due when the consolidation loan I was granted closed the previous loans on XX/XX/2018. According to Equifax, the loan servicer reported to them that my loans were not in fact past due at all because the reported pay history reported by the servicer is perfect. 
I am asking you to please consider looking into this matter. I have sent enormous amounts of information/proof to all the credit bureaus. The only bureaus to agree with me and my findings are XXXX and XXXX. Please review the attached documents. I am more than happy to send you copies of all additional information that I have sent, upon your request. 
Please do not hesitate to contact me with any questions or additional information. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I did not record all specific contact dates with the company, however, here is the problem. I have a Master Card through XXXX XXXX which offers rewards including cash back of 1 % of purchases. My rewards points amount entitles me to about {$470.00} in cash. Starting in XX/XX/XXXX I tried to redeem the points for the cash to use to pay towards my outstanding balance. At that time the relevant web site that I logged into contained a message to the effect that rewards information is not available at this time, please try again later. I contacted the company initially in XX/XX/XXXX and I tried with the customer service rep to get me access but to no avail. At the end of conversation I was told it would be fixed soon. Well it is still not fixed as of XX/XX/XXXX. I have contacted the bank at least 10 times since XX/XX/XXXX and it is still not fixed. They keep telling me it is being worked on and wait some days and try again. I did that repeatedly which led to my calling the bank each time. Also I told the bank all I want to do is redeem the points for the cash so the website info does not matter. They told me repeatedly that absolutely no one at the bank can do that for me. There is no manual work around that exists and I am the only one who can do it and only through the website, which of course for 3 and one half months has not allowed me to do that. Supervisor XXXX who I spoke with today XX/XX/XXXX confirmed that. He could not help me other than to tell me it will be fixed which is what everyone else has been telling me for over 3 months. I am not asking for a great deal. All I want is to cash in my rewards points and apply the amount to my account balance. Synchrony has my money and will not give it to me. Please help. 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 2021-09-05
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received 12 calls, all times of the day and night, over a period of 3 days from Sequium Asset Solutions ( XXXX ) XXXX. The agent indicated she was a legal firm collecting a debt in the amount of {$340.00}. She requested my credit card number and said that if I did not provide it I could be arrested. When I asked what company was owed the {$340.00} debt the agent indicated it was 'confidential '. I responded that I did not have any debt and unless she could provide proof of to please stop calling me. The agent became aggressive and said that I could go to jail TODAY if I did not pay. I specifically asked if this was a SPAM call and if so to remove me from the call list. The agent responded that the call was not SPAM and that she was calling from a legal firm and repeated that if I did not provide my credit card I could be arrested. I said I felt I was being harassed and asked that she not call me again. After, I received 3 more calls. I have since blocked the number. The calls were very threatening and disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS select portfolio servicing loan is delaying my mortgage statement for three months and has billed me for late payment fees and I have never been late or missed a payment. This has given a hit on my credit report for providing falsifying information. My payments has been timely and never late for the 18 years and I will not be forced to sending monthly check payment.Today is XX/XX/2021 and I have not received any XXXX statement and I have already mailed the bill as noted and provided the check date.i am an federal employee and I do not need bad, lying reports on my credit history. With a complete investigation it will be determined that this servicing company is attempting to defraud its consumer by reporting falsifying information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received collection notice on XX/XX/XXXX from Americollect, for services to my husband XXXX from XXXX at XXXX XXXX. We paid this bill XX/XX/XXXX upon receipt and now they sent to collections. Immediately on XX/XX/XXXX, I emailed supporting payment documents to the Collection agency and followed up with a phone call to XXXX later that day. She said to give it 2 weeks and they would follow up with XXXX XXXX. I called back in on XX/XX/XXXX, talked to XXXX, said XXXX hasn't responded, give it another 2 weeks. I called again on XX/XX/XXXX spoke to XXXX, they said they'd follow up ( email only ), but account can only be held until XX/XX/XXXX, which made me nervous, as no action took place yet. I called again on XX/XX/XXXX talked to XXXX, she said XXXX hasn't responded, I asked to talk to a supervisor, held for XXXX minutes, hung up and called back. Was then transferred to a supervisor XXXX at about XXXX pm. She didn't seem too concerned that I was frantic about our credit and said they'd follow up email again to XXXX. Getting nowhere, I called XXXX on XX/XX/XXXX, spoke to a XXXX, whom took my call. I had to send them supporting documents to email : XXXX, assigned case # XXXX. I have emailed them 6 times to check in, they said they would call collection agency to hold account. Per my call to XXXX at Americollect yesterday XX/XX/XXXX, XXXX has not at all reached out to them. We are at our wits end, and I told them both my husband and myself have XXXX credit scores, and no one seems to want to help us. No one seems to be helping us here, so I am turning to CFPB for assistance. Please let me know if you need anything additional and how this can get resolved once and for all. XXXX!!

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 2020-08-10
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX, and NAVY FEDERAL CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and  NAVY FEDERAL CU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to PROGRESSIVE MANAGEMENT SYSTEMS. According to 15 usc 1692g PROGRESSIVE MANAGEMENT SYSTEMS were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.

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 2020-08-10
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:
After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile.

Company response to consumer: Closed with explanation