BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: The Regional Adjustment Bureau, Incorporated
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. 
I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. 
Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. 
Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. 
I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. 
I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. 
The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Square One Financial, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am inquiring about a payday loan I had with Ace Cash Express between XXXX XXXX XXXX XXXX XXXX. I was informed that if I took out a loan within the timeframe noted above that I would be compensated due to the XXXX XXXX settlement that you all reached. I want to make a claim because I did have a payday loan with Ace at that time. Can not recall exact date. I do not have the loan papers anymore. I visited the Ace Cash Express on XXXX XXXX in XXXX Co. for XXXX dollars and was banking with XXXX Bank at the time. When and how will I be compensated? 
thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Meridian Financial Services, Inc.
State: NC
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:
After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CITIBANK, N.A.
State: PA
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:
Best Buy Credit Card/Citi Bank Balance is XXXX, its still showing a balance of XXXX on my credit reports.

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 2015-07-07
Company: DISCOVER BANK
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Coastal Credit, LLC
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation