BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.

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 2016-03-18
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I spoke with a representative at Maury Cobb : XXXX on XXXX/XXXX/2016 at approximately XXXX CST. I asked repeatedly if he had access to the final bill from XXXX, and he refused to answer me. He said the debt was about to be transferred, so " Why should I give you that when it 's about to be transferred out? '' I asked him repeatedly if he had access to the final bill, and he refused to answer yes or no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Account Control Technology, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Account Control Technologies ( ACT ) contacted me several months ago in reference to my student loan debt via telephone. I repeatedly asked during the phone call to be sent information detailing the acquisition of control over this debt, and was repeatedly told that they could n't send me any information, that it was up to me to contact the XXXX. My tax refund was recently seized by ACT, and when I contacted the XXXX I was told that they could n't give me information about the debt, and that ACT was the only XXXX to speak with. I was told that this payment was made to them almost a week ago, and I have received no paperwork from any agency of any kind ( public or private, state or federal ) relating to the seizure of my entire federal income tax return. I need to know how I can rectify this situation that is rapidly spiraling out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The car was totaled XX/XX/2016. XXXX made a payment round about XXXX. Gap insurance mad another payment in XXXX for XXXX. I had the car for about 13 months the payment was XXXX a month the loan was for 5 years. They have received XXXX for this loan. They are still saying I owe XXXX for fees and late charges that should not have occurred once the insurance company paid on the vehicle. This is excessive and overpricing. It 's also reporting to the credit bureaus that I owe XXXX but they are telling me I have to pay XXXX to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Riverwalk Financial Corporation
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several years ago I was hit with a collection for a similar amount on a XXXX credit card that has been closed since XXXX, and was advised by my bank to ignore their contact attempts because it was a scam. That went away and my credit score went back up. 

Starting a few weeks ago I 've been receiving tons of phone calls with no messages left from random numbers. 

Here is all the information I have on them. They do not answer the phone so I can not find out anything more. 

DEVILLE ASSET MANAGEMENT # XXXX , TX XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : XXXX Account Type : XXXX Account Loan Type : XXXX Balance : {$3000.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$3000.00} Original Creditor : XXXX XXXX {$3000.00} XXXX ; Pay Status : XXXX ; Estimated month and year that this item will be removed : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: STERLING JEWELERS, INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Threatening to visit my home or job

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a notice on Saturday, XXXX XXXX, 2016 XXXX from creditkarma.com that my password has changed. 
I did n't make this request which came in conjunction with credit card number, being stolen and used fraudulently, and an attempt to hack my yahoo email and XXXX account which, to the best of my knowledge, failed. 
An email dialogue ensured which I have printed out in PDF format The highlights include : - They think I am XXXX XXXXXXXXXXXXXXXXXXXX which they should know I am not because I told them so 14 times and because they are emailing XXXXXXXXXXXX not XXXXXXXXXXXX. 
They actually published XXXX XXXX 's DOB which is personally identifiable information ( PII ) over clear text email to me ( XXXX XXXX XXXX ) who self-identified as NOT XXXX XXXX 
At this point my conclusion is either : Credit Karma has been hacked and their email being used by fraudster 's as a phishing attempt. 
Credit Karma is inept and shares DOB over clear text emails and expects me to do the same. 
The email dialogue is attached. They explicitly declined to call me or give me their number. I can not find their number on the web for credit karma. In their email contact they publish a bad number XXXX XXXX XXXX XXXX which is not their company when I call it. 

I submitted a police report this evening in person to police XXXX XXXX XXXX ( on the XXXX XXXX on the evening of XXXX ) of the XXXX, XXXX police department. The police report number is XXXX Jus email is XXXXXXXXXXXX. 

I am foggy on next steps. I would really appreciate an investigator to figure out what 's going on. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: AES/PHEAA
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:
FedLoan is not changing my repayment option from Standard to REPAYE. I am unable to afford the monthly Standard loan. This is causing me to be deliquent on my loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-06-21
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have submitted a complaint already with Kay Jewelers and have to submit an additional one this week that a representative is now calling me under a false called ID called Green Tea diet. I answered- and the lady said she was from Kays and immediately rushed to the subject of my debt, I told her that I said to them to stop calling me on XX/XX/XXXX, and I have received over 30 phone calls since then of them and another company with them called Sterling Jewelers , and I told this lady I will get with my debt after I get my police report from an office to fax to my jewelery insurance, and I said once again to stop calling me that my " attorney '' is documenting all calls and she proceeded to ask who my attorney was at that point. I was so furious that they are now calling under false names and now asking information that is none of their business. This is insane!

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 2016-12-27
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint against Capital Accounts and XXXX XXXX XXXX ( Dental Office ). I had XXXX at XXXX office from XXXX XXXX to XXXX XXXX. I paid all my outstanding balance before my final procedure. In the month of XXXX XXXX, I received a call from Capital Accounts that my account is outstanding in the amount of {$720.00} and XXXX XXXX is attempting to collect this payment. This was the first time I was informed of any outstanding due as I never received any communication from XXXX office - no statement or a phone call informing me of the same. I called XXXX office and found that my address was never updated in their system. I specifically remember I provided my new address to them prior to the start of the dental services in XXXX XXXX as I moved to my current address in XXXX XXXX. The office manager XXXX accepted their mistake and told me it is not the office policy to call patients regarding an outstanding payment. I told them to put my account on hold until I gather information from my dental insurance regarding the dues. However, my accout was reported to the credit bureas and my credit score significantly declined. XXXX XXXX 's office failed to communicate to me, failed to update the address and without making effort to contact me submitted my account to collections. My credit score has declined significantly due the failure on XXXX office to follow due procedure. I received threating calls from Capital Accounts every day even after informing them that I am working with the dental office to setlle this issue. I asked them to note that I am working with the dental office however, Capital Accounts informed me that they do not have any instructions from XXXX office. XXXX office on the other hand told me my account was put on hold when it was not done and was reported to the national credit agencies. My credit score has been hurt and my credit score has went down from Excellent to Fair in just 2 months.

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