BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: Gatestone & Co. International Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.

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 2015-05-01
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent money to my wife in XXXX the sum of {$260.00} and paid a fee of {$10.00} and when my wife told me that she has changed her name from her family name to my family name ( XXXX, XXXX XXXX to XXXX, XXXX XXXX ), i called western union to change the name so she can receive the money but western union refused that unless they call me on my registered cell phone. I told them am XXXX, right now am with XXXX XXXX in XXXX and that my phone is not working, i told them am ready to provide any other form of identification but they refused unless they call me on cell phone, so i requested to cancel the transaction. Instead of them refunding me my total money of {$270.00}, they refunded me {$260.00}, saying that they will not refund me my fee, meanwhile they refused to change the name and also if i have to send another money i will be paying another fee, i request they issue me back my fee so i can send the money again. This is my wife, and my wife is right now without money and I being XXXX has to take care of my family, but western union is making it difficult for me to take care of my wife. I need my refund fee back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. no notice was ever given which is also a violation and am requesting that ALL inquiries below be REMOVED. 
XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016

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 2016-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with 12 SPEEDYCASH COM XXXX TX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.

Account No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am writing because I had a loan with XXXX which I paid thousands of dollars in interest which was for a school that is closef. None of my credits are any good. I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Brown and Joseph, Ltd
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both XXXX and Transunion failed to provide free credit reports and claimed technical difficulties.

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 2015-10-16
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was assessed overdraft fees when items posted on a positive balance. I have escalated to PNC several times with no understanding of why the fees were assessed. Please refer to attachment detailing banking activity on XX/XX/XXXX and XX/XX/XXXX. Also, PNC 's mobile deposit service does not outline availability surrounding deposits made via the application on weekends. Lastly, the check that was deposited via the mobile application on XX/XX/XXXX cleared the issuing financial institution on XX/XX/XXXX ( uploaded evidence ). There was no overdraft here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I tried to increase my credot limit to XXXX and I'm more the n capable as I have a few credit cards on with the same limit on my report. Capital one based nothing on the report said I have not made more then the minimum payment on the account which is false. I though I had a great relationship using the card as I have payed the account off multiple times! I have proved payment is not an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX Acct # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

I found that I am subject to my privacy as a consumer and I have not been convicted for any crime of these reporting accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  : no way to get a hold of dispute process through automated system. XXXX options available are to lift a credit freeze, place a fraud alert, or order credit report or score. To get to the dispute department I have to connect to member services, then get transferred to disputes, then get transferred to special services. This wastes my time and the reps time. 

XXXX : here is the id theft report requested by XXXX. Also attached is the document where XXXX  says they do not have any way to verify who opened the account because they do not have a copy of my id, or a signed application by me. How it can be verified as accurate when they can't even verify who opened the account is beyond me. This will be the third time XXXX  and XXXX  have been notified that XXXX  said they can not verify who opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH XXXXDOLLARS AND I ONLY USED XXXXDOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT SICKNESS OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation