BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have medical insurance, XXXX XXXX XXXX XXXX XXXX Illinois, there is an unpaid amount of U {$1500.00} because the bill was never submitted to them. I already tried several times to call the XXXX XXXX XXXX XXXX TEXAS, but they do not take proper measurements to receive the bill from the Medical Insurance instead they sent the bill to a Collection Agency. I and the Insurance already gave the policy number and ID number so the bill can be paid.The Collection Agency was already notified too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX, Ca. XXXX XXXX station. I attempted to take a {$200.00} with from my checking acct thru american express. And on both attempts I was declined. Due to a error code XXXX. Well I went home and contacted amex and filed a dispute claim. Denied XXXX XXXX so XXXX XXXX XXXX. After speaking to global ATM company and told to have amex do charge back I filed another dispute. Well its now 10 days and still no resolve. I 'm a XXXX citizen on ssi and I need my money back. All the CSR 's at amex are rude incapable of helping. Can not understand them as they are not fluent in XXXX. And they hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: Receivables Performance Management, LLC
State: TX
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:
In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

XXXX 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 2016-07-22
Company: Regional Management Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS DEPT OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-05-18
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX Account # 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 2016-10-05
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Eastern Asset Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any 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 monetary relief
Consumer complaint received 2016-05-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our FHA loan on XXXX/XXXX/16. The funds were wired by our attorney to the old lender ( PennyMac ) on closing date ( XXXX/XXXX/16 ) as per the payoff letter attached. The payoff letter included a full month 's PMI payment for the month of XX/XX/XXXX. After closing PennyMac charged us two additional PMI payments in XX/XX/XXXX and XX/XX/2016 out of our escrow account, claiming that we closed on XX/XX/XXXX and those payments were for XX/XX/XXXX/XX/XX/XXXX. We closed on XX/XX/XXXX and the funds were received by PennyMac the same day as can be seen in the attached wire print screen provided by our attorney. We were overcharged those two additional PMI payments and PennyMac needs to credit our escrow account for those payments and refund us the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ACS Education Services
State: CT
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:
From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Late fee

Complaint:
My Walmart credit card bill was due XXXX XXXX, 2015. This was a Saturday. I paid my bill on XXXX XXXX, 2015 which was a Monday. I was charged a {$35.00} late fee. According to President Obama credit card law, I had till Monday at XXXX to pay this bill, which I did. I called Synchrony Bank ( payments for XXXX credit card ) on XXXX XXXX, 2015 at XXXX and spoke to a customer service rep. He stated he would not reverse this late fee. Asked to speak to a manager and the manager also stated he would not reverse this charge. Stated he did n't have to follow the credit card law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX XXXX Amount : XXXX Creditor Type : Other Collection Agencies Last Updated : XX/XX/2016 Creditor Name : XXXX Address : XXXX, XXXX, MO, XXXX Phone Number : XXXX tacit vilotaed my consumer rights all i got was phone call saying my name call regarding documents will not call no documentation as per collection procedures nothing i filed bankruptcy in XX/XX/2016 wiped all payday loans loans they posted on my XXXX credit reports destroying my credit violating all collection procedures again i have no idea what this is and i will not contact them as they over XXXX complaints from BBB in XXXX Illinois and i want the things removed contacted credit bureaus next obtaining a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2018, I entered into a consumer credit transaction to obtain a XXXX XXXX XXXX for my personal, family, and household use. Upon recent review of the documents provided, I noticed Nissan Motor Acceptance Company, LLC may not be in compliance with TILA and it's implementing regulation Z. The finance charge and the total balance due differ. Furthermore, I should not be paying cash or a cash comparable monthly, for the value I gave to Nissan Motor Acceptance Company, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I feel like my credit card is double-billing me. I pay off a balance several times a week and since they are so slow to post transactions, or post them in posted and temporary transactions at the same time, it is confusing. Then I 'll sign on later that week and see that there are new charges that I think I 've already paid for! I 'd like you to look into their accounting practices.

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 2016-02-09
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.

Company response to consumer: Closed with explanation