BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have medical debt that I incurred in XXXX 2011. I have been making regular payments for past 4+ years via checks. Last year the mail was undelivered as the address was invalid. I did n't receive any communication from the Collection Agency about address change. As a result I missed few payments and this debt was posted on my credit history. I spoke to the collection agency yesterday and they told me that I have to pay this debt in full to have it removed from my credit history. They collected all my financial information and it was evident that I could n't pay this in two months as they suggested. 

This is clearly the case of harassment as they are using this opportunity to accelerate the payoff. If I was informed of the address change then I 'd have not let payments lapse. 

Collection Agency info : REVSOLVE INC XXXX XXXX XXXX XXXX, AZ XXXX Ph : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX transferred me to his manager pertaining to my account with Portfolio Recover Associates. I received several phone calls from XXXX XXXX XXXX XX/XX/XXXX requesting payment on the account. Per the manager he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that Portfolio Recovery failed to notify XXXX XXXX XXXX that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: FC LENDING, LTD.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FC Lending offered interest rates on a mortgage loan based off of an inaccurate credit report and credit score. I had a legal name change and informed them as such, as well as providing a letter of explanation dated XX/XX/18. The credit score they provided from XXXX XXXX was approximately 50 points lower than what it actually is. I do not feel that the rates offered reflected my credit worthiness. FC Lending offered me 4.625 % with 1.5 % discount points and PMI of 0.66 % versus an LPMI rate of 5.25 % with 1.5 % discount points. Before discovering the inaccuracy, I locked in the LMPI rate which is set to expire XX/XX/18. Based off of my actual credit score and credit report, the new lender is able to offer me a much better rate that not only saves me money initially but also in the long run. I have informed FC Lending of the inaccuracies but they are not willing to correct their mistake. I feel like this is predatory lending. I have already switched lenders, but the builder, XXXX XXXX, is threatening me with termination of contract in an effort to force me to use their preferred lender, FC Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.

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 2016-12-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I recently applied for and received an American Express XXXX XXXX. This card is advertised to earn 4X Membership Rewards for Restaurants. My last statement has multiple restaurant charges that DO NOT earn the advertised 4X. I contacted American Express about these discrepancies and was told that these charges did not earn 4X because the restaurant did meet the criteria. However, the charge is clearly labeled Restaurant : Restaurant by American Express 's own data. 

During the Chat - American Express would only look at individual charges and NOT all the Restaurant : Restaurant charges that did not earn the 4X.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: AZ
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 obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed from my credit report

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 2018-11-29
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. )  when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly disputed XXXX dismissed bankruptcies, that do not belong to me on my Equifax credit report. I asked Equifax how and who they were verifying this information with because the XXXX Bankruptcy court does not verify anything with credit bureaus. Equifax said that they are verifying this information with XXXX XXXX, which is a third party vendor, not the creditor. The FCRA requires credit reporting agencies such as Equifax to verify account information directly with the creditor, not a third party vendor. I contacted XXXX XXXX about these bankruptcies and they wrote me a letter back stating that they had no bankruptcy information under my name and social security number. So i would like to know how is Equifax verifying information about me but XXXX XXXX says they have no information for any bankruptcies in my name? Equifax is reporting inaccurate information on my credit report and that is illegal and violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. 

I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )

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 2018-06-15
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX attempted to Bill me for conducting additional XXXX after my insurance refused to pay them because they did took the XXXX to close to my last exam. The denistry did not explain this to me or check my policy before. When they attempted to Bill me I refused and asked if they had an internal policy that requires their staff to verify insurance policy before. They stated they just recently updated their policy. They then had an attorney contact me for payment, I requested validation and their policy. The attorney never provided me the debt validation information I requested. Recently when requesting a car loan, this popped up on my credit report from a debt collector I never heard of and learned it was for this debt. This has caused me lasting hardship and I continue to refuse that I owe this debt for the XXXX  's lack of care of it's customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: GA
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 am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful

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 2018-11-29
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they  agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.

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