BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: Acknowledge Debt Resolutions
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Acknowledge Debt Resolution contacted me via telephone stating they had a judgement enforceable for 20 years based on an XXXX XXXX credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted XXXX XXXX security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by ADR. ( XXXX ) When I requested a copy of the judgement from ADR at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact Us Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.

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 2022-09-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  XXXX XXXX contacted me via telephone stating they had a judgement enforceable for 20 years based on an American Express credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted American Express security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by XXXX. ( XXXX ) When I requested a copy of the judgement from XXXX  at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact XXXX Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: PENTAGON FEDERAL CREDIT UNION
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 status incorrect

Complaint:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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 2016-09-24
Company: Commercial Acceptance Company
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I noticed on XXXX XXXX that the National Credit System , Inc posted that I owe XXXX XXXX XXXX  XXXX dollars for either a utility bill or rent. I told the debt collection agency numerous times that I never lived over there but I did apply for housing apartment back in 2016 yet they denied me so therefore someone in that apartment office kept my personal information on file to use it for someone else. It seems like I am not getting any help yet people want me to pay something that I didn't actually do so to avoid this going to a courthouse, I suggest this is taken off of my credit for fraudulent because I can't even give an address nor an apartment unit for that place since I supposedly lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
" We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened.

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 2022-09-16
Company: Certegy Holdings, LLC
State: LA
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:
RETALIATION by XXXX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned XXXX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the laws of the State of Georgia, XXXX established notably in XX/XX/XXXX, by XXXX. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX XXXX XXXX subsidiary would have. 

Since reporting XXXX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and XXXX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX Experian - XXXX Phone XXXXXXXX XXXX XXXX  Experian - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Phone XXXX XXXX - Experian - XXXX - Phone XXXX XXXX  XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX  XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone 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 non-monetary relief
Consumer complaint received 2016-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently trying to resolve a property claims issue with Pennymac that has been ongoing for 28 days with absolutely no response from them or resolution. Our home was involved in a Natural Disaster in XXXX 2016. We are currently at a stand still on our home repairs and have leaking roofs that continue to get worse due to the lack of response and resolution from Pennymac Loss Draft Department. After 15+ phone calls to them for a release of additional insurance funds to move forward on to the final step of roof repairs for our property I continue to get the same response that a request to release another XXXX of the funds has been submitted and will take XXXX5 business days for a response. To date every phone call ends the same way with the Rep indicating they do not see where the request was submitted and they would send the request and I would receive a phone call within XXXX-48 hours. Still no phone calls from Pennymac at all and no closer to a resolution. I continue to be told their process is to release funds at XXXX at a time after inspections. However, I have explained every time that the XXXX process does not work for my property loss and repairs. I have explained to them over and over to look at the Insurance itemized claim, it clearly shows I 'm at a stand still on repairs. To even get to the next step in roof repairs it requires the majority of the remaining insurance funds to be disbursed. My primary damage was roof damage. House roof and damage has been repaired and next step is all the detached property repairs which is all metal roofing and XXXX body/piece of work. For some reason no one at Pennymac can understand what is needed and continues to not execute on any of my phone calls to date. I had to cancel a contractor today simply because I ca n't get anywhere with Pennymac. With every rain that comes while dealing with pennymac there is more damage to my property where the roofs continue to leak. This is absurd. We have insurance coverage and yet ca n't get my repairs complete. Will have more damage and I expect XXXX will be responsible. I have submitted all the documents Pennymac requested on each phone call but yet nothing has been done to assist. I have exhausted all efforts with Pennymac and asked to escalate today XXXX/XXXX/16. Spoke to an Escalation Rep who also provided the same information. Supposedly a request for the needed funds was submitted today, however, the request is only as good as XXXX. approval for the release. At this point I will submit a complaint with Regulatory from every XXXX available for assistance. I hate to think how many other XXXX XXXX are, or have gone through this with Pennymac.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXXXXXX XXXX as my third XXXX XXXX and Graduated in XXXX of XXXX. That school holds two graduating ceremonies in XXXX for both classes that graduate with The XXXX program. The one in XXXX and the one in XXXX of every year. 

However, the school, having currently already been placed on academic probation by the ruling XXXX XXXX XXXX XXXX, removed XXXX XXXX XXXX XXXXXXXX XXXX one week prior to the Graduation Classes for failure to comply with the areas of concern that gave the school one year to complete. They failed to do so and were sent a letter to the President of the College who withheld the information from the students of the school. That in fact made our Diplomas null and worthless without the accrediting body certifying them. and prevented any of us from taking subsequent XXXX XXXX XXXX which consists of four parts plus the state board they each have, He withheld this until XXXX at which time he resigned and it took the school almost 18 months to get back to probation status and since that time the school has racked up almost half a XXXX in been placed on probation four more times. They also helped me to increase my student loan debts to over {$520000.00} and no way to repay it and also unable to pass all the boards from their fraudulent teaching methods that brought on the probations and finally suspension from the program. 

I did not even find out about this until years later and now twenty years have passed, I am XXXX, and after learning of what options are available I filed a " BORROWERS DEFENSE '' MOTION with the Department of Education in XXXX of XXXX specifically targeting XXXXXXXX XXXX and provided documentation of all the accusations with them and still awaiting a decision. I might also add that Navient who went out of business and had to pay a massive fine two years ago because of fraudulent trade and lending practices was involved in my loan servicing and should have never allowed me to get in debt to that amount of money and thus acted dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: I.C. System, 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:
I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.

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