BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: USCB Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account appeared on my credit report and I have no knowledge of this account. I have not signed any documentation stating that I know anything about this account. I want it removed from my credit report till signed documentations with my signature is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To whom it may concern, I submited a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispu ted information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of 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 explanation
Consumer complaint received 2016-02-25
Company: Wise Finance, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
we sent money to our daughter in  XXXX  on   XXXX   XXXX   XXXX    ,  Western Union  did not release the funds and they sent me a letter that the transaction was never completed, we reply that we needed a refund, they have been investingating this matter for  XXXX  weeks now and we are not getting the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA has taken  XXXX  of my retirement checks for {$2800.00} plus {$300.00}. I have attached police reports with the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: IA
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:
To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Issue: Other fee

Complaint:
First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am paying over the amount of my monthly minimum payment and the company will not let me elect to have my overage payment go towards principal only. This was for a XXXX study loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm complaining against transunion for their failure to correct my credit report when I have proven to them that they are reporting this public record inaccurately. I am including my letter to them as well as the credit report - page XXXX shows the public records section : RECORDER OF DEEDS XXXX I 'm including the proof that you have the wrong reference # on this account as well as the wrong filing date. I did not receive the requested documentation that proves that you have this account reporting correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: GREAT LAKES
State: WI
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 am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft and sent affidavit stating such. I have numerous inquiries that I did n't authorize. 

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 explanation
Consumer complaint received 2017-04-29
Company: Tate and Kirlin Assoc
State: UT
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:
XXXX   XXXX   {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX XXXX motorcycle 0n XXXX/XXXX/XXXX. Bank of America provided the financing as before on a previous XXXX purchase which was paid in full after only two years. The scheduled monthly payment was around {$320.00}. I paid however numerous payments of $ XXXX/month and by XXXX of XXXX, my loan was paid down to {$6800.00} from $ XXXX. I was sent overseas but received monthly statements which were forwarded to my neighbor for him to watch over my home and mail. Each B of A statement showed an Amount Due : {$00.00} because I was paid so far in advance. On the XXXX month, I returned home and found a nasty letter from B of A claiming that because I missed XXXX ( XXXX ) payments, They are calling in the loan and my interest rate went from 7.9 % to 29.88 % which tacked on close to {$10000.00} bringing my note to over {$16000.00}. I tried to rectify the problem but when they attempted to repossess the bike from my garage one evening, I was standing there with a shotgun. Needless to say, they failed and I alerted the police to their illegal activities. The collection agency took off and I found out when the XXXX officer came by my home that they had not received a call letting XXXX know they were collecting a debt. B of A is claiming on my XXXX credit reports, different payment dates and number of payments made. XXXX repost shows XXXX payment in XXXX. The other shows all payments made in XXXX. FALSE! The fact is the Charge Off is older than 7 years but B of A is falsifying my credit history and committing Consumer FRAUD! I am going to attach the dispute review so you can see the fraud first hand. 
Please ask B of A to verify ( showing payment proof ) that I made any payment after XXXX of XXXX. There will be a cancelled check as that is the way I paid my bills then. Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  student loans have been  discharged  and I have a letter from the   XXXX   XXXX   XXXX   stating all loans have been discharged. The  XXXX  credit bureaus refuse to accept the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
violators of fcra, fdcpa, and tcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed charges on my credit card which I did n't make as well as cash withdraws. I immediately informed the bank, the bank failed to close an account, as a result with a {$700.00} limit, I had a balance over {$1000.00}. They shut down my card but still charging me for purchases which I did not make and for cash withdrawals I did n't make either. It is fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Rodriguez Fernandez Law Offices, LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX , still insists through  XXXX   XXXX   XXXX ,  XXXX , that I should contact Rodriguez Fernandez Law Offices , LLC in  XXXX   XXXX   Puerto Rico, on   a U.S. Postal  Service Certified Mail Received today,  XXXX   XXXX ,   XXXX   at our residence, that Monday through  XXXX , from  XXXX   XXXX   XXXX   to  XXXX   XXXX , I should call them if I have questions, and they want me to pay the whole amount of  XXXX  dollars  XXXX  cents, letter received today included, i s in Spanish in just one payment? But   this account is under a certified payment agreement with the same  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  (  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , and today I made the fourth payment of this agreement at  XXXX   XXXX   XXXX   XXXX , in  XXXX   XXXX   XXXX ,  Puerto Rico, see  included receipts. I was unable to contact the lawyers listed by  XXXX   XXXX   XXXX  as  XXXX   XXXX  Representatives, because not only I saw this letter today after arriving home after  XXXX   XXXX  and I should not wait for this until next Monday, but  XXXX   XXXX  is well aware of this problem, and they should contact  XXXX   XXXX  also, but is not happening.  XXXX   XXXX  has another complaint here about this, number  XXXX   XXXX , but this  one  I want to submit against  XXXX   XXXX  and their representatives h ere in Puerto Rico.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.

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