BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For the past few weeks I have received multiple calls from Portfolio Recovery Associates, LLC. The calls are coming from many different numbers and I have politely asked them to not contact me. Today I received a letter from them and the Merchant listed is XXXX XXXX or XXXX XXXX XXXX XXXX. I have never had an account with either of these merchants. This collection agency is also calling relatives and others discussing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called in today XX/XX/XXXX, at XXXX XXXX EST to IQ International Data. I was trying to make a payment on an existing payment agreement. I am trying to be responsible, even though this debt is not personally mine. 
When I called in, I had informed the representative ( supposed manager ) of the payment agreement, and that I would like to take care of it today. After telling her what my payment agreement was because she could not find the notation, she said we dont do anything like that. I then asked her what I was able to do, and she said they only do release statements, and I would have to pay {$1300.00} to be taken off this collection account. 
I then responded that I was confused As to why I had a payment agreement previously, with a supervisor, and now I was being told something else. Because of this, I had informed her that I would like to call back and get someone else to clarify the amount, because I was now told two different things. 

I call back, not even a minute later, and the same woman answers the phone, and just says hello, and does not read her employee ID number like regular protocol. I said hi and asked her if she was the only one working, and she automatically got vicious and said that she did not need to answer that for me My response to her then was, Well how am I supposed to get help with this? I remind her I was trying to clarify the two different amounts with someone. 
She gets very angry, and says shes the only person working before XXXX P.T. and ya know what, youve been really rude and I dont need to help you She also stated that I was not trying to get help, I am FISHING for a settlement, a settlement Im not going to get I try pleading with her, that I am not FISHING, that I just needed help, and she hangs up on me! 
I call back immediately ( the third time now ) and she lets the phone ring for a whole 5 minutes ( even though shes not busy, and the only person there ) and she let it go to voicemail.

Not only is this extremely unprofessional, rude, an unfair, but people like her are handling peoples Social Security numbers and files?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion Are all keeping mixed files in my report and I have tried to dispute addresses names phone numbers and aliases like if I were a criminal and not a consumer.

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 2022-08-26
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX two transactions in the amount of XXXX were taken out of my account. I was a victim of XXXX fraud where they called from USBank number. The representative stated he was from US Bank and there was a fraud on my account in XXXX and they needed to investigate. I was leary so he transferred me to a supervisor who advised me of same thing. They hacked my account and took XXXX from me! Once I refreshed my account I heard a laugh and they hung up. I called US Bank back immediately to file a claim. I waited 10 business days, got sent to different departments, got false hopes. So today XX/XX/XXXX called and got the most dryest insensitive rep who bluntly said claims were denied we dont support scams. I asked her about Regulation E, she says what about it? She basically told me I should have read the top of the screen where it says we would never ask for money. I hung up. I emailed and wrote XXXX today the CEO. As a former US Bank employee this is disheartening that US Bank not only doesnt care about their employees but their customers as well.

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 2022-08-26
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXXXXXX Lied They Not Works For XXXX XXXX XXXX Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX Option XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake XXXX XXXX Stealing My Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was behind one payment for a Discover credit card due to illness/accident. I spoke with several Account managers and in the course of conversation each disconnected the call. I finally reached a manager who stated there were several option which would be available to me. I chose an option which would decrease the interest rate to 09 %, pat {$38.00} per month. Late fees are suppressed and the credit card will REMAIN THE SAME.I accepted this program and was paying monthly to commence on XXXX XXXX, 2022. I have the information in writing. When starting the program, I was now informed that the credit card will be immediately " REVOKED ". This whole scenario was DECEPTIVE & FRAUDULENT!!!! This appears to obtain monies from me for future payments under false pretenses. I am a XXXX XXXX, XXXX. Discover Card reps. acted in a most deceitful manner which is a very unprofessional manner, and Discover Card Corp. should be punished as deemed by the U.S. Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.

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 2022-03-26
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. 

I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. 

I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. 

I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. 

I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attached the letter I sent to Navient asking to accept an offer to forgive the remaining balance on my loan. I believe from the outset I was not giving options that would have kept the balance of my loan from ballooning to where it is today. Instead of forbearance for a few years which ended up costing me tens of thousands of dollars, they could have directed me or at least offered me Income based repayments that would have at the time kept my balance at a manageable level. My original loan which started at approximately XXXX XXXX has grown to XXXX XXXX and continues to grow. I have paid back over XXXX XXXX since repayment started. The capitalized interest has destroyed my hopes of paying this loan off. I wasn't even afforded the ability during the pandemic to pause my loans or have the XXXX per month payment I've been sending go towards the principle balance. I feel Navient is and has been a predatory lender with regards to my loans and hope that at some point they are held accountable. They have been sending me mailings to change my loan to a private loan at a reduced interest rate for months now. Once again predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are four accounts listed on my Equifax and XXXX credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and XXXX has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XX/XX/XXXX and XX/XX/XXXX your XXXX collections account was removed from your credit report. My credit report dated XX/XX/XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Penn Credit Corp showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/21 - Paid my XXXX payment to XXXX XXXX ( Proof of the payment was sent to BSI Financial ) XX/XX/21 - my mortgage was changed from XXXX XXXX to BSI Financial Services Since then, BSI financial services has claimed I didn't make my XXXX payment and are demanding I make a double payment to make up for the payment I've already shown to them that I didn't miss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On Wednesday, XXXX XXXX, 2017, I sent Experian a certified letter disputing inaccurate and false information on my credit report being reported by XXXX XXXX XXXX XXXX, reference number : XXXX which is located at XXXX XXXX XXXX, XXXX XXXX , FL XXXX. I am confident that XXXX XXXX XXXX XXXX  never replied to Experian during their so called investigation. I sent XXXX XXXX XXXX XXXX a certified letter on XXXX XXXX, 2017 and they never responded to my letter. Furthermore, Experian has this item being reported by XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX. I sent the very same dispute to XXXX and it was removed from my credit report between XXXX XXXX and XXXX XXXX. I believe that Experian has acted in bad faith and has not complied with the Fair Credit Reporting Act, which I specifically requested VALIDATION that is competent evidence bearing my signature showing that I have had some contractual obligation to pay a debt owed to XXXX XXXX XXXX XXXX. If XXXX XXXX never responded to XXXX or myself within 30 days of my complaint, where is the proof that they in fact responded to Experian? I want this item removed from my credit report immediately!!

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters to TransUnion ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to TransUnion.

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 2022-08-26
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
What happened was that somebody hack a log of peoples account and stole our money. They used my zelle account to transfer money from XXXX account and send it to mine and then send it to another one. My money is gone and the money from the person before me is gone too. 

Now Im receiving calls from that they stole the money saying that they gon na kill me and blaming me. When the same is happening to me, they dont let me explain they stole my money too. All my money is gone too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Every time I call Chase XXXX XXXX XXXX and ask them where they sent the XXXX XXXX  I earned from using the Chase XXXX XXXX  XXXX, the customer service representative says " I don't know what XXXX  account we are sending the miles to at XXXX. '' Sometimes they give me a fake number to shut me up, sometimes they say " I will transfer you to my supervisor '' and simply put me back into the queue to wait another hour for a customer service representative to answer ( instead of his supervisor ). XXXX says they have no idea to which account Chase is sending the miles, and Chase is claiming they have to ask XXXX which XXXX account is associated my credit card ending in XXXX, and it will take another 2 weeks to hear back from XXXX. Chase is simply running around in circles. If Chase is telling the truth that they sent XXXX miles to XXXX XXXX, then Chase knows which account they were sending the miles to. The Chase credit card statement does not reveal the XXXX XXXX account number, and it should. Since I started to complaining to Chase, Chase began retaliating against me, by denying every attempt I have made to use their credit card for my purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a Mortgage loan with XXXX  XXXX, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to XXXX on XX/XX/2019, but the problem is XXXX   XXXX is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still XXXX do not fix the issue, Also I have contacted the Credit agencies especially Experian to try to address and get it fixed, but experian is not taking any action to correct my credit report, even I have provided withe the proof that may loan was paid off on time to XXXX, also XXXX had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies

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 2022-08-26
Company: EQUIFAX, INC.
State: NM
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: Problem with personal statement of dispute

Complaint:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.

Company response to consumer: Closed with explanation