BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
In XXXX I discovered my Barclay Credit Card was past due and I had been charged a late fee. I contacted the company and asked if they would waive the late fee and I would set up auto pay so this would not happen again. As a courtesy they waived the late fee and I set up auto pay for the minimum payment due on the due date of the XXXX of each month. This month, XXXX, I scheduled a payment for {$50.00}, then remembered that I already had the auto pay set up so I cancelled the {$50.00} payment. Today I checked to confirm that the minimum payment of {$27.00} had been made only to discover that not only was it not paid, but I was again charged a late fee. I checked my payment settings and confirmed that the auto pay was in place. I called the company to find out what the problem was and was told that when I cancelled the additional {$50.00} payment that also cancelled the auto pay and they refused to refund the late fee. This is an unfair practice. The scheduled payment should not have anything to do with the auto pay. They are set up in different areas of the website. I need your help and can provide documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: UT
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 received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Main Street Personal Finance
State: LA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX XXXX, 2016 I paid {$55.00} ( receipt ) is attached. That brought my remaining balance to {$300.00}. The lady advised that since I was just renewing my loan I would have to write her another check for {$350.00}. I explained that I did not have any more checks. She said you can bring your check in when you get it, but just pay the {$55.00} to avoid the check being deposited. I went to the loan store on XXXX/XXXX/16 to render the check. She told me that they had cashed the original check for {$350.00}. She apologized and said that all she could do was possibly refund the {$55.00} I paid ( when i asked for the refund she said she could not do it at this time ). My complaint is that my balance owed on my account was {$300.00} on XXXX/XXXX/2016 and they cashed a check for {$350.00} on XXXX/XXXX/2016. I did not authorize that transaction and it is fraud. They told me if I paid the {$55.00} to renew my loan they would not submit it to be cashed as I had settled my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I got a call from Sunshine Credit Services debt collection agency at XXXX. 
" XXXX '' stated my name and phone number was " associated with an outstanding debt ''. 
I did not recognize the company that the person said I owed over {$480.00}. 
I asked to speak to a supervisor and I was not nice. I spoke to a XXXX XXXX. 
They said they had the wrong number. But when I told them they originally asked for : XXXX XXXX at my home phone number. 
They then said that they made an error. 
I asked them how they got my name and number and they said again that " They called this number in error '' Again, the opening conversation was " Is this XXXX XXXX? '' The person stated that I owed a company I have never heard of over XXXX dollars. 
I am worried that I am a victim of identity theft and what if they called an elderly person who was intimidated? I am a XXXX and see all the time the elderly being taken advantage of by callers that have " scams ''. 
Please follow up so this never happens to anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Roughly 10+ years ago I closed out my accounts with JP Morgan Chase Bank XXXX in order to close out an unsecured line of credit I had to pay it off. I did that to close out my account roughly {$500.00} payment when I closed out the accounts, and now I get this late payment that showed up on my credit report after 10+ years stating I owe close to {$900.00} dollars. I have never had any payment schedules or notifications in the 10+ years because I paid it off. Upon calling them I am told I need to show proof I paid it off. I would like to think that if indeed I had not paid it off ( which I did ) I would have immediately received late payment notifications. I left Chase bank because of some poor customer service and charges that were way out of line with the other banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Asset Management Outsourcing, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 and XXXX XXXX, 2016 I requested validation of a debt Nationwide Recovery Service ( NRS ) is reporting on my credit report. To date NRS has failed comply to FDCPA and FCRA ( the Acts ) regulations. ( see attached ) I will file separate legal action against NRS to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
This Agency has the authority and jurisdiction under Section 621 of 15 U.S.C 1681s to recover penalties on my behalf instead of filing legal action on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. 
PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Aargon agency is saying I owe XXXX debts for hospital bills that I never received. After calling XXXX that they claimed I owe, the hospital told me I need to contact them and GET the account numbers from them because thats not the balance they show for me. I have low income so if I owed a balance I would have tried to get a small payment plan before they applied it on my credit report. This debt is now hindering from obtaining credit from different companies.

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 2016-05-02
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get calls for a person not living in the house. The message says " This call is for XXXX. If you are not XXXX do not listen. '' I stop listening but the calls have continued for at least five months, several times a week. Can not get them to stop calling. I finally listened all the way through so I could get the name of the company : Lustig , Glaser & Wilson

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 2016-07-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Exeter Finance Corp.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Funding placed a collection account on my credit report and has not contacted me in order to give me the right to dispute or ask for verification of this debt. This is supposed to be done within 5 days of initial communication ( placing this on my credit report is them beginning collection on this supposed debt and is the communication ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation