BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX. 

In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hired a collection agency to collect a debt I did not owe. The notice I received from the collection agency, Eastern Account System of Connecticut XXXX Inc. was intimidating. The Notice said the debt would be " valid '' if I did not contact the agency, during office hours ( XXXX XXXX to dispute the debt within 30 days. Instead of calling the collection agency, I called XXXX. 

On XXXX XXXX, I called XXXX and was told by the first XXXX rep that the debt was valid, despite the fact that notes in XXXX 's own records showed that ( i ) I had cancelled service with XXXX on XXXX XXXX and ( ii ) this was within 30 days of initiating service with XXXX on XXXX XXXX. I told the first XXXX rep I did not have an outstanding balance. He told me the records showed that I did have an outstanding balance, and refused to allow me to speak with a manager. Instead, he said I would receive an email within 48 hours with a final decision by a XXXX manager. I never received any such email from XXXX. 

A week later, on XXXX XXXX, I once again called XXXX to dispute the charge. I spoke with a second XXXX rep and once again was told the debt was still valid. He told me there was nothing that could be done over the phone and that I had to travel to my local XXXX office to try and dispute the charge. As I was asking for information about notes that XXXX had made in the account, he disconnected the line without any notification and my call was re-routed to the regular XXXX customer service answering service. After going through the entire customer service process for a fourth time, I was finally connected with a third XXXX rep, who after reviewing the notes told me XXXX agreed I had canceled the service within 30 days, there was no outstanding balance, and I would be receiving a letter in the mail confirming as much. 

Companies like XXXX should not be able to treat customers this way. The company makes it very easy to set up service, even promising to allow customers to cancel service at no charge within 30 days. Then, after a customer cancels the service, XXXX bills the customer anyway, refers them to a collection agency, hangs up on them when they call to dispute the charge, and makes them spend hours of their own time before finally relenting. This is consumer fraud and is wrong. Please help protect me and other Americans from these sorts of practices by 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 2015-10-07
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A woman called me at work and claimed I had criminal charges pending regarding bad checks I have written in XXXX XXXX. When I told her I do n't have checks I was transferred to a supervisor who immediately started yelling at me. It was an old payday loan. " DO YOU REMEMBER NOW? '' I asked them to not call me at work. She said, " We can call you anywhere, anytime, and all day! '' I tried to tell her I had already settled with a debt consolidation company. She would n't let me talk. She yelled over me and interrupted me, basically called me stupid saying " you ca n't sell debt! '' She proceeded to say they are pursuing legal action in XXXX XXXX and I can stop the process if I pay them now. Very hostile, rude, and would n't let me speak or ask questions. She said I would be served papers the next day. I said thank you and hung up. I have received no papers. They continue to call me at work first and then my cell. I believe this is a fraudulent attempt to get me to pay on an old debt. They claim to be XXXX XXXX XXXX, but I ca n't find anything about them online. The number is XXXX, and the only things that number pulls up online are complaints of attempts to collect an old debt through harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my husband and I put our home up for short sale with a Realtor and their attorney for short sales our Mortgage Co is PNC it has been nothing but a nightmare since they were told by the attorneys office to cease and assist and contact them only they did not every month we where inendated with paper work when it was complete they told us we ran out of time and they can not use what was sent. we have lost 3 buyers going on 4 because on XX/XX/XXXX the house is going to forecloser. Their lastest antics ask asking for a trash bill which we do not have and this was told to them in XX/XX/XXXX when we first started this short sale. They are impossible. The emotional and mental distress they have put us through is overwhelming and it has to be stop so one else has to go through it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I never requested, applied for, or authorized a credit card or bank account with PNC Bank at any time whatsoever. First they started sending me account statements, which I ignored, and now they are saying I owe them money, which I will never pay. This whole thing is a fraudulent scam that needs to be shut down. PNC Bank is completely dishonest and I want nothing to do with them, and never did at any time. In spite of numerous requests they refuse to close this bogus account down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance with the Fair Credit Reporting act CAPITAL ONE 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 2015-09-23
Company: American Coradius International LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives. 

As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees. 

I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: PulteGroup, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Pulte Mortgage has taken more than 2 months and still has not finalized our application and gotten an answer from the underwriter. They constantly loose the personal financial information they request and get from us. They have missed scheduled phone meetings [ resulting in replacing the person we were working with ]. Constant delays and broken promises about specific self imposed deadlines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company Receivable Solutions Inc reported collection account on my credit report without sending me notification in the mail that I owed this amount to them. 
I owed a medical bill to the XXXX XXXX XXXX. My South Carolina Income Tax was garnished to settle this bill. I received a bill from the XXXX XXXX XXXX asking me to mail a payment to them for the remaining balance. It said make check payable to XXXX XXXX XXXX. It never mention Receivable Solutions. A representative from Receivable Solutions stated that they sent me a letter in XX/XX/XXXX. I have not received a letter from them stating that I owed {$180.00} and that I had 30 days to dispute this amount before it would be reported to my credit report. I was making payments to the hospital. Receivable Solutions reported a collections to my account for a balance of {$180.00}. They never sent me a letter in the mail giving me a chance to dispute or pay this amount before they reported this to credit bureau. This is a violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. They should have sent me a letter stating that I owe this amount before they reported and put the collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NE
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:
Equifax credit bureau is reporting three collection accounts with XXXX XXXX , XXXX in the amount of {$41.00}, {$41.00} and {$220.00}. This is not my account and is identity theft. I have disputed these collections accounts several times with the credit bureau and the creditor XXXX XXXX , XXXX. I was the victim of identity theft in the past as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: First Data Corporation
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. 
Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AMCA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, NY XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMCAor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC 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 2016-07-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification via my credit report that I owed American Medical collection agency with account # XXXX. I did not open any letters indicating that I had an account with this company. Recently my daughter died XXXX on XXXX XXXX, 2015. I had incurred many medical bills from my daughter while she was alive and for 4 months both my wife and I did not have any income, which enabled us to care for our daughter. The collection agency indicates they have sent us letters but I do not remember ever opening a letter identified by AMCA. My family and I have recently been able to be better situated to pay for our debt, thus when I noted this agency on my credit report I immediately called and verified this debt and payed for it. After payment I asked this agency to remove the debt from my credit report, at which point they informed me they could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2015-07-10
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. 
Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. 
No itemized information about proof of last activity date was provide to me. 
XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I received a letter from American Medical Collection Agency ( AMCA ) regarding a debt with XXXX XXXX. We sent them notice disputing the debt, stating " I 'm writing in dispute of this account PIN XXXX, please validate this account and send proof of validation, including proof that your client has billed the proper insurance company that it was provided at the time of service and not an insurance company for which it was not provided information for. " On XXXX XXXX we received a letter stating they had received our notice, and still continued to pursue the debt without ever having verified it. 

They have since sent XXXX letters demanding payment for a debt we do not owe and have refused to verify the debt, because if they did they would see the debt has a {$0.00} balance with the XXXX XXXX. 

On XXXX XXXX, XXXX XXXX representative XXXX XXXX said she had contacted AMCA to inform them that they had failed to properly bill the Insurance Company and that due to a glitch in their systems they had failed to bill and would alert AMCA. 

Their latest letter on XXXX XXXX states that we have neither paid the invoice or disputed the validity of the debt, which we did on XXXX XXXX, 2015 and they acknowledged this in their letter sent XX/XX/XXXX. 

We look forward to you helping us resolve this debt collector continuing to violate the Fair Debt Collection Practices Act.

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