BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call from XXXX at XXXX MST. XXXX XXXX asked to speak with XXXX XXXX. I said " This is XXXX, What can I do for you '' XXXX then attempted to verify my address prior to providing me with my mini miranda rights. I ask her what company she was with and she informed me that she represented GC Services. I informed her that I do not work with her company and what the call was about. She informed me that it was a personal business matter. I asked is this in regards to a debt and she said yes. I informed her that she is required to provide me with the required mini miranda prior to asking me to provide information. She failed to ever say the mini miranda period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was approached by someone who said that they could perform a cash flip on the cash app. After multiple failed attempts and inconveniences, I was down a few thousand dollars because I never saw the return that was promised to me. I was approached on XX/XX/XXXX with the person asking me to send XXXX in order to get started. The amounts began to get bigger and bigger as I thought I would see my return. I will provide the amounts in the attached documents. Each time I was about to get paid there was another problem in the way. I can give more information about anything once my complaint gets a reply. The screenshots I provided are the exchanged between the scammer and I. I trusted that they would make good with my money but they just continued to take from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.

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 2022-10-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found a bunch of credit inquiries on my report from a bunch of unknown companies on my credit report. I need these removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Midwest Acceptance Corp.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Last XXXX I received a phone call to my work phone from an agent of Account Services intending to collect a medical debt from several years before. I was surprised as I had never provided that phone number to this company nor to the doctor 's office, and of course neither permission to call me to my work phone. 
As the XXXX XXXX ( XXXX visit to the doctor for a check-up that generated XXXX different low amount bills ) provided were performed several years before and I always pay my bills on time, I was quite thrilled about this communication. I did not have record of payment or non-payment of the bill as they were years old, but I had no problem on paying the bills if they existed and were accurate. I called Account Services and requested a debt validation of it before paying the debt. When I spoke with the agent ( a woman ) she never advised me that the request had to be in writing, but stated that the debt validation notice would be sent to me and that then I would pay. I had received previously a letter from the company stating that the debt validation request had to be in writing, but as the collector told me that they would send it right away and that I would pay upon receiving it, she made me thought that collection efforts would stop till such validation was provided and that I would just have to pay once the debt was justified. 
Since that communication, I never heard again from Account Services, so I figured that they could n't validate the bill or there was some sort of mistake. Last week I was applying for a new apartment lease, so I went to XXXX XXXX to check that everything was in place in my credit report before the credit pull was done. I was astonished when I found out that Account Services has been reporting several medical bills as delinquent. I feel absolutely deceived. This is outrageous. I 've never stopped paying a bill on time. I even told them that I would pay immediately as soon as they proved the debt. I relied on their agent 's word, and in return my credit report is completely destroyed. 

I hope you can help me with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
To whom this concern, Due to financial constraints I found myself in default on XXXX student loans ( administered by XXXX different loan servicers. In months that followed, I entered into student loan default rehabilitation on XXXX loans ( Account # XXXX - {$130000.00} & Account # XXXX - {$57000.00} ) with GC Services. Less than a month later the third loan servicer ( Florida Department of Education ) initiated administrative wage garnishment through my employer. I sent the appropriate the documentation to GC Services via certified receipt mail and all receipts were signed and returned. To this date, even after all requested documentation has been provided often times repeatedly, GC Services insists on increasing my monthly rehabilitation loan payments more than 8 months into rehabilitation because they will not acknowledge documentation that I have already sent ( e.g., Form XXXX - Child and Dependent Care Form, pay stubs, etc. ). In fact they will not acknowledge the fact that my wages are now being garnished and they will not acknowledge the expense tied to the other rehabilitation loan, which is being serviced by their own company. In addition, they have refused to accept IRS Form XXXX from my 2014 tax filing and a copy of the document provided by my son 's care care providers as evidence of my dependent expenses. They are insisting on yet another document with company letterhead as a receipt for payments received for services rendered. It is my belief that this particular request is merely a plow to harass to pressure me into agreeing to pay more than what I agreed to when I entered into rehabilitation. Since I am earning significantly less due to wage garnishment then when I entered into the agreement, I would expect that they would lower my monthly payment obligation rather than try to use any excuse to raise them. I have always intended to repay my student loans, however, circumstances beyond my control have inhibited this endeavor. Rather, I must stipulate that GC Services in engaging in predatory and unethical practices to secure higher payments which has put me into position where it may compromise my ability to successfully complete loan rehabilitation and cause further damage to my family 's financial standing to include the ability to meet our financial obligations ( mortgage, car payments, daycare, etc. ). Please provide whatever assistance you can provide to help remedy this issue. Thank you. 
Respectfully, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, I am trying to receive a loan through my lender, but they are only able to pull my information through XXXX and XXXX, however, Equifax is not cooperating. I am closing on a house next week ( XX/XX/XXXX ) when I was originally supposed to close on the house on the XXXX, and the only thing that is stopping me is Equifax. I called Equifax on XX/XX/XXXX and I was told to fax a copy of my Social Security Card and ID to ( XXXX ) and I did that same day. The following day ( XX/XX/XXXX ), I called again which I escalated things to a supervisor and he advised me that they were not accepting fax 's since XX/XX/XXXX and I could only mail my information which I overnighted on ( XX/XX/XXXX ). I have faxed very important personal information to some random fax and I do not know what to do with that flying piece of information. I was so desperate for help and guidance that I reached out to Equifax on XXXX, which they responded that I was going to receive help within two days and I later received an email asking me for lots of personal information again. My case number is ( Case # XXXX : Social Media Case ) and I have not received any information since yesterday. Please, I am in desperate need of help and the only thing stopping me is Equifax. I am doing everything I can in my control to settle things, but Equifax is not cooperating. I have called an average of 4 times since XX/XX/XXXX and have spent over 10 hours on the phone trying to resolve my problem but there is no easy way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX different occasions I sent in letters to Transunion to investigate/verify a few credit accounts. Transunion sent me XXXX stall letters claiming that I am a credit agency working on someone behalf. I responded back letting them know that I am working on my behalf and I need you to investigate these accounts. They did no investigations but instead sent me my credit report twice. Transunion is violating my rights to have these accounts investigated. Please follow up with them.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX FOR XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX Account # : XXXX Date XXXX Balance : {$13.00} XXXX  XXXX Date XXXX Balance : {$160.00} XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 XXXX dollars was placed back into my account and made available to use and take out of the atm. Then ok XX/XX/2023 I had a over draft of 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 2017-01-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Gatestone & Co. International Inc.
State: RI
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:
Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My account recently changed from XXXX to this company. Recently I noticed that I had a negative balance for my rewards. I have not had any returns or credit to my account so I don't know how a negative balance can even happen. On XX/XX/2022 I contacted the company via their secure message center to find out what was going on. On XX/XX/2022 they responded and said I needed to call customer service. On XX/XX/2022 I responded and said for my protection I want all correspondence to be done in writing. On XX/XX/2022 they responded and requested I call again. I responded and told them I would find ways to file complaints and we can go that way because I want the protection of the information in writing. I don't want someone to lie to me on the phone. This sort of behavior seems really unethical by the company. What are they trying to hide that they don't want to put the answer in writing? Are they doing something wrong? Illegal? Do then not want to admit that they stole my rewards and gave me a negative balance in writing because they know that I am entitled to those? Are they just like most large companies where they try to take advantage of low customer. I think we need some answers her and for the company to address this unethical behavior. 
It seems the company doesn't want to use the secure message center they have on their site. For that reason, I request that the company contact me in writing either by my email or by the regular mail. I've attempted to use their system and they have shown the inability to answer the issue that way, so to ensure I get a response, I have giving two reasonable options for the company in contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother passed away XX/XX/2018 and I have tried numerous times to get a Loan Modification from Wells Fargo Home due to the fact that Im the Administrator for her Estate. Secondly, I believe that the mortgage company ( Wells Fargo Home ) might have charged the account improperly with fee/fines.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So many overdraft fees I had to pay through Wells Fargo

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