BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. 

I paid XXXX $ copay when I went there, doctor did my XXXX XXXX without giving me any estimate and without asking me. I was told that I will have to pay only co pay. 

On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. 

I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. 

I am finding myself helpless in this situation. XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. 
Please help me to resolve this issue and take strict action against malpractice of Hospital .I dont owe anything to XXXX XXXX hospital , XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi advertises their prestige card as a " premium '' credit card. This is not true. The card is complete trash. Traaaassshhhhhh.

First, it is incredibly difficult to get through their automated system to get to a real human, when other premium credit cards allow you to easily speak to a human. One customer service rep told me to stay silent and it would get me to a representative. All that did was make them repeat the prompts repeatedly, which is infuriating. She also said to say 'representative ', which doesn't work either. This is unacceptable. Even some of my no annual fee cards, like XXXX, allow you to easily connect to someone in the US.

Then, they tried to deny me my bonus points for signing up on some technicality and it took no less than an hour of my time to get them to agree to put the bonus offer on there. And I'm still not sure it's on there because the last agent I spoke with gave me conflicting information.

Then, there is conflicting advertising with some places saying that you get 5x rewards on " travel agencies '' and other places saying its only on " airfare '' but when you call customer service they basically tell you that you can't know if something is a travel agency until you charge, so if you spin the travel roulette wheel and land on the wrong booking site, you could lose the 5x and instead get 1x.

Then, I receive the card and packet and the booklet that comes with it is outdated. They're for the old Citi Prestige card with the wrong information, so I don't actually know all the benefits of my current card. 

The card is cheap looking and feeling, where other similar cards are made of metal. This isn't a huge deal but should have been disclosed in advance. 

It took multiple attempts to get them to add the card to my online banking and ultimately I had to register it myself, providing the same personal information I had just given the agent. In the process I was transferred multiple times, including once to an agent who was hard to understand and I believe hung up on me. Other premium cards I've had, the customer service can assist with online banking. 

The customer service agents did give me points but that doesn't make up for the fact that it has been a horrible customer service experience and users are left not knowing how and where they can use their cards, which we pay approximately {$500.00} a year in an annual fee for, for their 5x points.

I'm a good Citi customer, longstanding relationship, pay my bills, stay under my limits, regularly use my cards. There is no reason I should have to deal with this on a card with a {$500.00} annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I recently paid off my Mortgage Account with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My Account Number XXXX. 

I received a refund back from Specialized Loan Servicing for the amount of {$2300.00} regarding Escrow Account. The check was made to XXXX XXXX XXXX and XXXX XXXX. 

My husband and I recently divorced on XX/XX/2018. XXXX XXXX XXXX moved out of state to Washington and I mailed him the check to sign over to me since I made all payments on the loan and the house is legally in my name only. I took the endorsed check to my bank XXXX XXXX and they had told me that they could not accept the check without XXXX XXXX XXXX being present. I explained to the bank the reason he signed it was that he was out of state. They stated because the check was made out to XXXX XXXX XXXX " and '' XXXX XXXX that both parties needed to be present and to ask the issuing bank to make the check out to XXXX XXXX XXXX, XXXX XXXX and they would be able to cash the check. 

I contacted SLS on XX/XX/2018 via email per their request it needed to be done in writing ( see attachment ). I called and spoke to Floor Supervisor XXXX on XX/XX/2018 who stated he would place the request to the Refund/Credit department and to call back on XX/XX/2018. I called back XX/XX/2018 and was told XXXX was out of the office. I called back on XX/XX/2018 and was told XXXX was busy on the floor and would call me back. I called back on XX/XX/2018 XXXX said that XXXX was on a phone call and I stated that I would hold after 10 mins XXXX came back on the phone and said XXXX was training and would call me back at the end of business day. I never received a call. I'm holding onto a check {$2300.00} that will no longer be valid. 

I'm requesting a new check to be issued by SLS for the amount of {$2300.00} made payable to XXXX XXXX XXXX, XXXX XXXX ( without the " and '' ) so I can present it to my bank to be deposited into my account. 

Please assist me with my request. 

Thank you in advance for your prompt attention to this matter. 

XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
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:
XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was approved by the SBA and a lender funded my PPP loan on XX/XX/2021. I submitted all my information to achieve approval. I am an XXXX XXXX and needed these funds to pay for my craft, as Im grossly in the red. I went to pull off my funds today XX/XX/2021 ( tomorrow is the first all bills are due XXXX, after being able to use my account all week, uninterrupted, even having a rep increase my limit, now to be told that my account is frozen, with not only funds from the SBA but funds that were directly deposited from other sources. They need documentation of the funds received, when asked what do I need to send in, I was told everything that I can. When I call the Capital One phone number I am being told I have to leave a voicemail. I have been banking with Capital One for over 2 years now and have 3 credit cards. I have never been treated like Im a criminal. I feel like I was flagged because the lady at the counter saw a young XXXX XXXX female and assumed fraud. This is the second time that I have visited this bank branch to withdraw a large amount, the first time I had no issue. 

At this point I want my money to be released to me so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: GA
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:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Equifax has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( Equifax, XXXX, XXXX ) XXXX XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and Equifax ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from Capital One dated in XXXX. In XXXX, I was sixteen years old and have never done any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 my XXXX  credit card was fraudulently charged three amounts {$330.00}, {$330.00}, {$100.00} I opened a disputed against a fraudster company XXXX  that tried to defraud me and after some time the fraud department of Capitalone.com refunded two charges of {$100.00} and {$330.00} closing dispute in my favor but for some unknown reason rewarded the third charge of {$330.00} to the fraudulent company XXXX and closed the case without an appeal. By doing this Capitalone.com sided with fraudulent company and assisted in defrauding my account by {$33.00}. I called multiple times to XXXX  asking to review the case and reopen the dispute but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

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 2019-05-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING continues to try and collect money from a bill that I have no knowledge of. I have disputed their claims through XXXX and have asked to provide a bill showing the amount I supposedly owe. My request has not been completed. 

I ask that they provide a copy of the bill ( which I know they can't provide ) and I DEMAND that they REMOVE this negative information from my credit report! 

Thank you 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 2018-04-27
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from XXXX XXXX, dated XX/XX/XXXX. This is not my inquiry, I did not apply for any account with XXXX, nor did I authorize them to pull, my credit. 

Toyota Motor credit, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit  payments, over the phone and I decided to call Toyota Motor Credit on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called Toyota Motor Credit two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and Toyota, placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction. 

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file is XX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month of XX/XX/XXXX? If I made the last payment on XX/XX/XXXX and it XXXX  out the balance. How can I be late on the payment, for the month of XX/XX/XXXX. This is a error and I would like it removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a transfer of my unemployment benefits as well as my pandemic unemployment assistance on Monday, XX/XX/2020 at XXXX XXXX and at XXXX XXXX American Express serve sent me an email stating they locked my account and gave no further instructions or guidance or even an explanation on why they did it so they took the Direct deposit excepted it and then locked my card so I have no way to access my funds or even receive a new card to use my funds I had saved my unemployment on this card for a deposit as well as for rent because I will be homeless as of XX/XX/2020 and I called several times to notify them as well as to try to find a resolution for the problem and every time I called they would not tell me anything or even offer me help to receive a new card or anything so as of now I have no money no way to feed my family and no way to provide shelter after XX/XX/XXXX so I am asking that we hold them accountable for these funds as well as for the criminal activity they are doing to people around the world

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: CA
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 have submitted many disputes to Equifax concerning this error on my credit report. Not all XXXX bureaus are reporting same information. Equifax is reporting different information. 
This is a violation and needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital accounts reported negative information on my credit report, despite the fact that I have never had any business with them, and they have failed to provide a copy of a contract signed by me or a judgment against me to validate this alleged 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 2021-04-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I contacted Wells Fargo XXXX XXXX visa XXXX XXXX to request the finance charge amount on my credit card. The representative told me that she would as out the finance charge information via an encrypted email within XXXX days. However, I gave never received the information the company has been trying to charge me, late fees, interest fees, annual fees, ect. I am aware that pursuant to 15 USC 1605 ( a ) a finance charge is the sum of all charges. I am also aware that attempting to collect any amount besides the finance charge is a violation of 15 USC 1692e ( 2 ) ( a )

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 2018-06-29
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.

Company response to consumer: Closed with explanation