BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2015 at XXXX i sent a money gram of XXXX to XXXX XXXX . When the person that was suppose to recieve the money went to pick it up, she was told she could not do so because her name is on some federal govermnent list that prevents money gram from doing business with her. She was advised that she would need to return with more information to to identify herself. She then notified me that she had been denied receipt of the money that i had sent to assist with a family menber funeral. I then called and was given the run around stating that she need to return with more identifiation in order to collect this money, and was given a number for the agent there in XXXX to call in order for a money gram agent here in america to call her back. All of that was done and still the money was not released to her saying that money gram still needed more info but not able to tell her what more they needed. I then called Money Gram for the second time and at that time requested that my money be refunded to me since i was the one that sent the money to her. The money gram agent told me she could not give me back my own money cause this lady name is suppose to be on some Federal Government List. As a result i have not been refunded my money and they are still refusing to release the funds to whome i sent it to. Iam not a rich woman therefore i can not afford for Money Gram to not refund me my mone back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The United States Bankruptcy Court in XXXX XXXX County granted a discharged under chapter XXXX, on my behalf the debtor XXXX XXXX on the XXXX/XXXX/2015. The case no. XXXX. There was no lien on my property, no contact to me by mail, phone, or otherwise to file or continue lawsuit to attach wages or to take any action to collect a discharged debt from the debtor -- -A creditor who violates this order can be required to pay damage and attorney 's fee to the debtor. M & T Bank and XXXX have violate that court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
navient did not work with me in efforts to gain lower repayment options that were within my ability to repay in accordance to my income. Though I explained my hardship ( head of household with one income ) navient still demanded high repayment amounts that I could not repay monthly. With navient reporting missed payments to the three credit bureaus each month my credit score has dropped and is continually dropping today dramatically ( if there were logical/realistic repayment options I could have possibly began to pay.
However, being that navient had no desire to work with me to repay debts that has acquired such high interest amounts, I decided to dispute the late payments as well as ownership of the debt to navient. navient then replied with no supporting documents verifying that I owed them nor a promise to pay as I requested them to provide me. Instead I continue to receive harassing phone calls from various numbers at all times of the day, while at work, and even late hours of the night which is unacceptable.
navient also refused to allow me to explore the option to release my parents as co-signers in efforts to provide them relief from the financial stronghold that navient has on their lives. Alongside of that deceitfulness navient created many obstacles when I did attempt to pay them or defer payments. I was charged several hundred dollars in efforts to defer loans just so that my credit score/reports would not be negatively affected.
Since the transition from XXXX XXXX to navient occurred documentation has been altered or is missing. Therefore, navient has not provided me with valid documentation confirming any true or accurate debt to them. With all described, I should be relieved of all obligations to repay navient and all records of late payments, collections or delinquencies on all three credit reports should be forgiven/removed. This should also be done in respect to my co-signers/parents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ex wife used my name and ssn to open an acct while i was XXXX and she refuses to pay it and it on my credit report effecting me able to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I have a FHA mortgage loan on my condo through Bank of America. My original mortgage date was XXXX XXXX. But then I refinanced in XXXX XXXX. My original LTV ratio was over 80 % so I was required to pay PMI of {$360.00} per month. Currently I have {$360000.00} left on my loan and my condo was original assessed at {$460000.00}. I expect it would assess for at least that much today which leaves me under the 80 % threshold. I contacted BofA to ask about removing PMI but they are telling me since I refinanced less than 5 years ago they do n't have to remove PMI and I should contact them again in XXXX. 

Is this accurate? I thought once I had a LTV below 80 % I could contact my lender about removing PMI or at the least the 5 years should count from the date I bought my home not when I last refinanced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Acct. XXXX
XXXX
I am requesting a copy of my Home Apprasial that was done in XX/XX/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: ESCALLATE, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-31
Company: MLD MORTGAGE INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have closed on my FHA XXXX loan over 3 months ago, I took out a XXXX loan so I could have the roof replaced after I bought the house. The roofing company I chose got half down for the roof and supposed to get the other half after the roof was replaced and all inspections have passed. The roof has been replaced and all inspections have been passed over two and a half months ago. The money store is refusing to pay the roofers roofers and continue to ask for more financial information for their " investers '' ond saying they will not pay the roofers unless I give them all the info they need.I have cooperated fully, now it has been almost three months, the roofers are still not paid and they are going to put a lien on my house. The money store continues to ignore my phone calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am and have been a student that has been enrolled in a program at least half time. Every 3-6 months despite my student status, I begin to receive harassing emails and phone calls from Navient demanding payment for loans that are deferred. On at least 5 different occasions I have told them that I am a student and to stop but every 3-6 months it starts again. I have one loan that is on automatic payment that should only be {$25.00} a mint while I 'm in school. This month, they deducted the full amount from my account and I can not get in contact with anyone to get the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. 

Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. 

I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. 

My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. 

What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? 

I hope you can provide some light on this issue, so I will know my rights. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Professional Recovery Management
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter.

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