BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: STERLING JEWELERS, INC.
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from this company and have submitted XXXX separate complaints prior to this XXXX. On XXXX XXXX, 2016 they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XXXX XXXX, 2016 they said they were calling from www.investigation and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: ERC
State: DE
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:
Enhanced Recovery has a collection for XXXX that belongs to my mother ( we have the same first name ). I have disputed it on my credit report and it remains..I have contacted Enhanced directly and they simply sent me a detail of payment due ( attached ). I want them to contact the credit bureaus and remove this. This is a violation of Federal Law. Her name is XXXX. My MIDDLE NAME is XXXX. We shared the same address. The account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: ERC
State: GA
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:
I have no knowlegde of this debt and it is shown each of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Coast to Coast Financial Solutions, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on/ or about XX/XX/XXXX, a person appeared at my door as a process server and handed me the following paperwork " ORDER FOR INTERROGATORIES '' OR " STANDING ORDER FOR INTERROGATORIES. Alpine Credit INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Co XXXX Prior to this date on or around XX/XX/XXXX - Alpine Credit did engage in a similar tactic that a court document was delivered to my home via US mail and/or in person similar to the above description. 

However no court date was present. I believe this is a scare tactic by Alpine Credit to collect on old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery 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 ( s ) 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 Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: KEYCORP
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On numerous occasions I have called to fix my Key Bank online banking because they locked it out when they merged with First Niagara. I provided my full social so they could pull up my account. Apparently that 's not enough to verify my identity. I proceeded to provide my address on file, as well as my date of birth .... I was told that still was n't enough. They proceeded to ask me more " Public Record '' questions, which most of these questions did n't even apply to my life. After answering them I was told they still could n't verify who I was and could go no further in this call. I asked for a supervisor and at first was denied this. After asking 3 more times she placed me on hold. I held for over 20 minutes and finally had to hang up because no one came back. They are now charging me late fees and more interest because I can not pay my bill and they wo n't allow me to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier

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 2020-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I wanted to take advantage of the XXXX  bonus to open up a new checking account with Chase bank. 

I rushed to my local Chase and promptly opened up my account. I asked the Chase employee if i was eligilble for the {XXXX  She responded with a firm " No '', with not checking terms. 
I was already prepared to switch over from another bank so i ended up opening an account anyways. 

I had had chase over 5 years ago, so the employee told me i was not eligible. 

After reading the fine print today, i WAS and AM in fact eligible for this promotion. 

I have the employees name and branch if needed. 

I would to be included in this promotion, be it that i already set up direct deposit. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm a XXXX, XX/XX/2016.. Since XXXX I have had to move back to my home town and dealt with being jobless for several months only to get my first payment set up to be over {$1200.00}. Being jobless, and my cosigner passing due to a hit and run, I was forced to go into deferment. I was not offered any income based solutions and with working XXXX part time minimum wage jobs I still ca n't afford it. Deferment is now up and upon trying to pay and getting another Deferment I 'm met with only computer operated messages and no help. Im going to delinquency now and hopefully can defer when theit office is open on Monday. Largest privatized loan agency for students and closed on the weekends. Great plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Company has attempted to extort me by placing a " low balance threshold '' and is refusing to allow me to access my online account unless I call in with all types of security questions about the card I have- is engaging in predatory behavior & is refusing to allow online access without a voice response after numerous letters & emails have been received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am reporting an identity theft case. I disputed the fraudulent account and informed the credit agency as well the bank/collection agency ! 

It was confirmed by the bank, that the account was not affiliated with my information. Allegedly, the account was opened in 2018 with my brothers name and address the account did not even indicate my name or address. 

My brother has and never had any access to my social and is willing to file a report if needed. We believe we got hacked and someone used my social and his name and address to open said account. 

The collection agency is drs and I was reported buy XXXX XXXX for {$680.00}. Despite the different name affiliation the collection agency is refusing to inform XXXX XXXX that the account was open with a different name and XXXX XXXX refuses to help me unless the party who reported me confirms said information. 

Meanwhile, my credit is being damaged because the bank is refusing to drop the account bank confirmed wasnt in my name! 

I disputed this account and explained the situation and XXXX XXXX wrote me a letter that the collection agency claim that the account is legitimate! 

I disputed this account again and explained the situation once again how can the account be legitimate if its not even opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Resurgent Capital Services L.P.
State: AZ
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:
Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me.

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 2017-02-08
Company: Navient Solutions, LLC.
State: VA
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 a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: ProCollect, Inc.
State: VA
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 XX/XX/XXXX I signed a six month agreement with XXXX. I signed the lease over from another person. The apartment complex agreed that I would live in the property from XXXX XXXX until XXXX XXXX. In XX/XX/XXXX when I went to turn in my keys management told me that I owed rent up until XXXX XXXX. They said that they would not try to find anyone else. Even if I found someone else they wanted me to still pay the next six months, which is illegal. They told me that If I did n't pay the next six months rent right then, they would turn it over to collections. I set up a meeting with management to try and discuss some alternatives. They kept giving me the run around and ignoring my calls and emails. A few weeks later I received a collection notice from Pro Collect for over {$3000.00} dollars which included huge fees for cleaning a tub and lost keys ( which I turned in ) and unpaid rent. I was only obligated to stay in the property for six months, and regardless it 's illegal for a landlord to not mitigate their damages. They sent my account over to collections for six months accelerated rent three weeks after I moved out of the property. This is illegal! They ignored all my calls and attempts to work something out, they told me to pay up the next six months rent or they would send it to collections right away. They intentionally ruined my credit without making any attempts to mitigate their damages which the law requires. When I contacted Pro Collect through a written letter, and called showing evidence of this unfair charge they told me to sue XXXX. They admitted that I was right about the landlord 's duty to mitigate their damages, however if I wanted this off my credit I would have to sue the apartment complex, and that would cost me more than paying the {$3000.00} that they were attempting to collect. They also advised me that disputing this charge would hurt my credit. I later called back to try and get more explanation on how it was legally to try and collect when they broke the law, the lady said she was n't there to argue with me and proceeded to end the phone call. They refuse to remove this from my credit, even though legally the apartment complex broke the law.

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