BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am being sued by a rental property. They hired a collection company to collect a debt that is more than a year old. I never received any notification about the debt until the collection company called me. They harassed me by phone on XXXX/XXXX/16 requesting a payment in two hours ( half of the original amount ). I contacted the rental property and the Assistant manager, gave me two completely different versions of my situation and at the end told me that she did not have my file so she could not provide me with any more information. I also sent XXXX emails to the company 's receivables department and I was redirected to the collection company. I also sent a certified dispute letter to the collection company a few days later. No one ever answered it or contacted me, but they reported the debt to the credit bureau. Now, my credit is affected by invalidated information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
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:
IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Dear Mrs., Mr. : I am unable to withdraw funds from my Gemini account. I have created an account online on XX/XX/XXXX on the Gemini Trust Company , LLC. The website address is https : //www.gemini.com/. Gemini is a Cryptocurrencies trading platform. The total amount of US Dollars/cashXXXX I have on the Gemini platform is {$1600.00}. I have reached out to Gemini customer support at XXXX on the following dates/times : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have reached out to the Gemini Trust Company 's support team using the following email addresses : XXXX and XXXX. The support team members I corresponded with were XXXX, XXXX, XXXX, XXXX, and XXXX. I have provided Gemini with a copy of my bankstatements to verify my account in multiple instances. Gemini claims that I can only withdraw funds via wire, which is extremely costly to me at the moment. 

Gemini has declined to withdraw funds using the debit card account that I have provided on the Gemini platform, which was successfully verified by Gemini They have refused to allow any other forms of identification verify to assert my ownership of the account. Please note that I now have limited use of my email account XXXX and I am locked out of my Gemini account. 

ALL THE COMMUNICATIONS I HAD WITH GEMINI HAPPENED BEFORE I WAS LOCKED OUT OF MY GEMINI ACCOUNT FOR REQUESTING MY MONEY AND LOST FULL USE OF MY XXXX ACCOUNT DUE TO A SEPERATE MATTER I REPORTED WITH THE SEC CONCERNING XXXX XXXX VIOLATIONS OF SEC REGULATIONS AND PCAOB STANDARDS. I AM UNABLE TO ACCESS MY ACCOUNT AT GEMINI AND GEMINI REFUSES TO PROVIDE ANY OTHER WAY TO IDENTIFY ME AND DISBURSE MY FUNDS IN THE AMOUNT OF {$1600.00}. 



Gemini has refused to provide an alternative solution to withdraw my money from their platform. I have filed a lawsuit in the states of Georgia and New York as well as with the Security Exchange Commission ( SEC ). Gemini 's website ( XXXX XXXX XXXX XXXX XXXX ) claims that the money I have in US Dollars is insured by the FDIC as long as the US Dollars are inside the United States. Below is an excerpt of their website. " U.S. dollar deposits in your XXXX Account held in one or more XXXX  Accounts at one or more Banks located in the United States are held with the intention that they be eligible for Federal Deposit Insurance Corporation ( FDIC ) pass-through deposit insurance, subject to the Standard Maximum Deposit Insurance Amount per FDIC regulations ( currently {$250000.00} per eligible Gemini Customer ) and other applicable limitations. Our policy is to comply, in good faith, with the regulations and other requirements of the FDIC for pass-through deposit insurance, including those contained in 12 C.F.R. 330. '' Sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Lean XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan is held by Pennsylvania Higher Education Assistance Agency ( myfedloan.com ). On approximately XXXX XXXX, XXXX, I submitted an application under the XXXX program to have my loan terms reevaluated. I was informed that my application was approved approximately 30 days later, and the servicer would be issuing me a {$5.00} bill that once paid would then bring me out of the IBR program and into the XXXX program. As of XXXX XXXX, XXXX, my student loan servicer has not finalized my approval under the program or issued me the {$5.00} bill to allow me to opt out of my current income-based repayment program. When I have complained numerous times to them about the delay, they inform me that the process is slow because they have too many applications but they are doing their best they can with their resources. Thus, it has been nearly 90 days and Pennsylvania Higher Education Assistance Agency has not taken any concrete action on my application. Clearly, by Pennsylvania Higher Education Assistance Agency 's own admission, the federal government is contracting with them to service too many loans in excess of their capability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was dissolved due to company shutting down and failing to provide services. Further, the debt was sold without even providing any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX was diagnosed with XXXX in XX/XX/XXXX. He was impaired at the time of the scam described here. Scammers stole our money, and then Key Bank made us pay it back. 

XXXX writing for XXXX : On XX/XX/XXXX I received an email invoice for {$450.00} for five ( 5 ) licenses of XXXX software from someone purporting to be a XXXX employee. When I called to tell them I dont have 5 copies of the XXXX XXXX, they told me they would refund the money, and persuaded me to grant them access to my computer so I could enter the refund amount.

The next day, that same person called in a panic telling me that he had erroneously refunded me around {$45000.00}, and that he urgently needed me to wire that money back to him. I saw the amount in my checking account, promptly agreed, and wired him the $ XXXX. 

Then, the day after that I received another urgent instruction that the money had not gone through and that he needed to try a smaller amount. He said he had refunded {$42000.00} of the previous days money, and he needed me to wire that. I saw that purported refund in my account I sent a second international wire of $ XXXX. 

The scammers had hacked me, installed spyware/malware on both my computer and phone. They had transferred money from my XXXX XXXX XXXX to my checking account, so when I checked the bank, I saw extra money that they claimed was due to them. I did not realize that it had come out of my HELOC. Each was sent via international wire transfer to a bank in XXXX. I immediately reported the fraud to Key Bank. 

Key Bank responded by freezing my checking account. My checking account balance was, as usual, several thousand dollars. My HELOC balance had been fraudulently run up by the $ XXXX. 

Within a few days, Key Bank, with neither permission nor prior notification, debited my checking account by {$87000.00} and reimbursed the defrauded line of credit ( secured by my house ). They protected their secured loan, and overdrew my account to do it. 

Despite numerous calls to Key Bank to get information and status reports, their responses have been conflicting reports and endless time on hold waiting to be transferred to yet another department in the bank. 

They say that the fraud claim investigation is ongoing, but they have put us in collections for the overdraft. They offered us a mortgage on our house, and having no viable alternative, we accepted that. We now not only have lost the $ XXXX, but we are forced to pay {$830.00} a month for a mortgage. This situation is outrageous and untenable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: ONLINE Information Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rash curtis & associates called me this morning between XXXX and XXXX. I spoke with them and explained the situation then they called again before noon harrasing me and not letting me explain the situation saying that i did not understand the meaning of the word rhetorical. What this has to do with it i am not sure. So i disconnected the call. More than XXXX contact with me in less than 24 hrs is a violation of fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX  Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My stimulus payment is dated XX/XX/XXXX per the IRS transcript information. The payment has not yet been applied to my account. In addition to this, KeyBank held my paycheck that was to be applied in XX/XX/XXXX until XX/XX/XXXX which cause overdraft. I confirmed with my employer that the payment date was XX/XX/XXXX due to the pay date falling on a holiday ( XX/XX/XXXX ). I contacted KeyBank several times and they stated it was dated the XXXX, which is not true. So in addition to the overdraft that is now being resolved as my paycheck was applied today ( XX/XX/XXXX ), I still do not have the stimulus applied. It is dated the XXXX and should be applied today. 

There are numerous people that have received theirs, but mine has not been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a payment on the online bill pay through Pnc bank. The payment was made weeks prior, but the payment was converted into a check for the business. On XXXX, I had a deposit come through the account. The deposit was processed after the check. This caused the checking account to fall negative. I was told the account fell XXXX dollar above the overdraft forgiveness. I was scolded, spoken down to and disrespected by the retail managers XXXX XXXX and XXXX. The refused to correct the problem that was a bank error. If the deposit was processed in timely manner the account would have never went negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021

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 2022-06-03
Company: Synovus Bank
State: SC
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:
this report is for the private administrative process on the behalf of XXXX XXXX the XXXX report XXXX south Carolina XXXX police report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.

Company response to consumer: Closed