BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After obtaining a copy of my Transunion credit report, I noticed a collection account reporting on my account by XXXX for a debt for {$270.00}. On XX/XX/2016, I attempted to contact the above agency, XXXX to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Transunion, and Transunion reported the debt as valid. How is the debt validated through Transunion, when the collection agency did not respond to my attempt to communicate with them regarding this debt?

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 2017-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XXXX, we ordered a phone using our rewards points from our Sony Rewards Card with XXXX XXXX. The email states we will receive another email when it ships. When I called on XXXX asking for an updated status, I was told that they had no additional information on the order, and it has not shipped. On XXXX, I was told that the system was down for maintenance ( on a Friday afternoon? ), and no new information was available. On XXXX, we were told that orders can take 4-6 weeks for delivery. I feel this is a misleading and terrible rewards program and they are not clear on the timing of delivery upfront. They also provide horrible customer service and refused to provide any information when we called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Having been trying to get PMI - Private Mortgage Insurance removed from our mortgage. Due to a cumbersome bank process, changing their criteria, and intimidation from PNC ( letter attached ), we felt we needed to contact someone to make sure this process is compliant with current regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Conn's, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased warranty for a TV with Conn 's, I had the TV replaced but, was not notified that I needed to purchase a new warranty for the replacement TV. I was not notified until I tried to use the warranty for a 2nd time that my replacement TV was not covered. I received all sorts of different, conflicting information from the Conn 's representatives. Additionally, I found out that although I had supplied Conn 's with a copy of my renter 's insurance policy, they had not adjusted my account. I supplied Conn 's with proof of the confirmation sheet that their rep had provided to me and they still refuse to adjust my account. Finally, I spoke with a Conn 's rep on XXXX/XXXX/15 and authorized them to draft a payment from my checking account on XXXX/XXXX/15. Instead of drafting the payment on the correct date, they drafted the funds on XXXX/XXXX/15 and have failed to compensate me for their error. Conn 's has a pattern of dealing deceptively with me by failing to give me pertient information, refusing to adjust my account when I 've provided them with proof that they said they would, and by making unauthorized drafts from my checking account and refusing to compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: USA DISCOUNTERS LTD
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I recently was attempting to lease an apartment when the property management discovered a judgement on my credit report for over $ XXXX from USA DIscounters. This account has been taken care of for over a year. I called them to get a letter stating it was taken care of and they told me they 'd have to check and see if they had one since it had been over a year. I also asked about the credit report and they proceeded to tell me that it was my responsibility to file a dispute with the bureau. They have handled their part. My experience with them has been nothing but a hassle since day one. I also noticed there was lawsuit against them. I am not in the military any longer, but am I able to get retributions from these illegal procedures and charges.

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 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!

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 2022-08-25
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 XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX, # XXXX ( XXXX ( Original Creditor : XXXX XXXX ), # XXXX ( XXXX XXXX XXXX  ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX  ) ; has violated my rights under sections. 

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 2017-03-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Wells Fargo has made negative credit entries against me, but will not give me access to the account. The account in question is my son 's student loan, of which I am a cosigner. I have repeatedly asked over the last several years for electronic access to the account. Their answer is that it is not something they offer now, but will in the future. 
When they have contacted me stating the account is delinquent, I contact my son and he says that it is current. Without access to the account, I have no idea who is telling the truth. Given Wells Fargo 's track record of scamming its customers, I tend to believe my son. 
These are the people that I have dealt with recently : XXXX., Research / Remediation Rep, Executive Office, Customer Experience Team XXXX, Research and Remediation Analyst, Executive Office, Customer Experience Team, XXXX at wellsfargo.com XXXX Research and Remediation Representative, Executive Office, Customer Experience Team

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 2016-09-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.

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 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: College Assist
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.

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 2016-06-22
Company: Performant Financial Corporation
State: UT
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.

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 2022-08-25
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 2016-08-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened account last week. Told me to come back the next day and I can cash heck. Went next day there closed. Nice. So I waited then just deposited it. One week last. We have a paper fee monthly fee, and some early fee. And hold on act. Ok. So I decides to close it and go to different bank. O a fee for closing account. So I will b lucky to get maybe a couple XXXX if I 'm lucky ... m

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive corresponding documentation pertaining to what i owe or why I owe. Please provide the EOB date of services, medical bill charges, what was covered, how much money the insurer considers to be reasonable and customary, the amount that went towards your deductible, copay and how much money you might be responsible for. I have NEVER received any phone calls, emails, letters ( certified or regular ). I have XXXX people in the city of XXXX as well as XXXX, Texas with my name. I have continued to receive phone calls pertaining to him. I am not him. I am a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AES/PHEAA
State: AR
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 borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 2016-09-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Crown Asset MGMT LLC has continued to harass me for over eight years. They have a lein on my home and with XXXX for {$4000.00}. I do n't owe this debt and they need to remove the lein on my property immediately as I am about to sell it. I will settle with them at a small price, too. Please help I need this resolved as soon as you get it.

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
Consumer complaint received 2016-09-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/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 2016-10-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Company has been charging more than allowed by law for fees and in accordance to their terms. Also did not apoly payments to balances accurately in accordance to credit card reform act. They applied to benefit the issuer without making me aware of how the funds were being distributed after I requested the info. This has been happening since I opened the card in 2013. Have contacted them on several occasions and get nothing fixed

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 2017-02-07
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card
Issue: Delinquent account

Complaint:
I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.

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 2016-02-28
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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:
XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}.

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