BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: ROC Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They have been calling threatening me with lawsuit and that if I dont contact them I could be sent to jail. They have called 3 people that I dont keep in contact with much, but they were worried and called me to say they were woken up with a man named XXXX XXXX calling them asking them about me. 
XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-09-30
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
M LEONARD & ASSOCIATES is still reporting on my reports. This accounts was paid & the company agreed to remove it from my report as part of the payment. They continue to report the account after I 've disputed it with the bureaus. It 's damaging my credit & causing me emotional & financial stress. I would like this account removed at once!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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:
I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to Experian with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX XXXX XXXX for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX  XXXX XXXX, it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called Transunion and they said it is reporting. I have tried to get home equity loan and was told the same thing. Transunion says no reason for that so why ca n't anyone access a credit number. XXXX had told me all my credit was old, which is true but what should that have to do with my credit history. Transunion has told me there are no negative items on my report. I have a charge account with XXXX which has been active since XX/XX/2003 and XXXX said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. XXXX says it 's XXXX fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help

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 2017-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Citibank said they would not run my credit when asking for a credit line increase and they did.

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 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once.

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 2020-08-18
Company: Atlanticus Services Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my credit card account months ago and continue to make monthly payments in good faith without being late once. I originally closed the credit card because I was having issues with the company while dealing with rude and unprofessional behavior of the customer service reps. Upon closing my account I was told that I would not have to pay an annual fee or monthly fee because my account would be closed before the one year anniversary date. Fast forward five months layer and Im being charged an annual fee and a monthly fee even though my account has been close for five months. I talked to four different employees from this company. Instead of trying to resolve the issue, they was rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: NAM National Arbitration and Mediation
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Lending Club Corp
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient does not offer to lower my monthly payments due to financial hardship. I have asked on several occasions to see if my loans can be forgiving once the school has been closed for years for receiving loans and not be accredited. They were basically giving away worthless diploma. Nacient informed me that I should have filed my complaint during a certain time and that I am still responsible. They wo n't even Consoildate it to make the payment more affordable. They are only offering deferments nd forbearance for only 3 months. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have called Navient several times to get on income based payments and they said that I did not qualify for income based and I could do a forbearance to assist during my hardship. I have been paying on my loan for 2 years and have n't paid hardly any on the principal of the loan. I need help to resolve this, I ca n't continue to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Professional Accounts Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.

Company response to consumer: Closed with explanation