BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Before I had my medical bills, and prior to purchasing a home, I had asked USAA to raise my credit limit above {$5000.00} ; which they declined ( This was roughly 4-5 years ago ). Now that I have had a few ER visits with very high bills over the past 4-4.5 years USAA has continually raised my credit limit, without my consent, and my debt keeps rising. In the past I have been able to mitigate what I owed on my credit card considerably with bonuses and tax returns ; however, over the last year I have been in the ER multiple times and had various car expenses and now my debt has become out of control. As of this date I currently owe {$8400.00} and have available credit of {$3400.00}, which is absurd for someone in my situation ( I am a single father who pays child support and who owns a home ). I tried to call USAA several different times and the most recent time ( XX/XX/18 ) I was bounced around from department to department whilst trying to reach a representative to work with me on lowering my interest rate and figuring out a payment plan and the ultimately reducing my credit limit and placing a cap on said credit limit so this does not happen again. After a long time on the phone with rude representatives I was told the wouldn't access my account and I would have to call back later ( I have a recording of that conversation ). I submitted a complaint to the XXXX ( # XXXX ) and I was called once by XXXX XXXX XXXX of Member Advocacy from the Office of the CEO within USAA that I missed at XXXX on XX/XX/XXXX and was promptly sent an email stating that said individual was unable to contact me at XXXX. Since that day and time I have made repeated attempts to contact XXXX and left multiple voicemails but haven't been able to speak to her or anyone else of consequence, mean while my interest on purchases keeps going beyound what I am able to pay against my credit card and my debt continues to spiral out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
It is my understanding there are heavy storms and even possible Tornadoes in the Texas area so I understand there might be a delay in getting a response to my credit disputes ... but I have been disputing the information with Experian for the past 6 months. I am a little flustered that I have submitted in documentation to Experian such as a police report and a fraud affidavit and they continue to report unknown account entries in my file ... .. some accounts say they have been written off but fail to show the amount they have supposedly been written off for. I have several names and social security numbers in my file and I have provided them with my DL, social security card, passport and birth certificate and the fraudulent/unknown information remains. I don't understand the point in disputing information if no one is going to assist you. I will be filing a law suit if the following accounts are not removed by XX/XX/XXXX. I have given them apple enough time to correct the errors. XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Experian Report Number 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 non-monetary relief
Consumer complaint received 2017-11-06
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contend that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: AR
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:
in XX/XX/2018 I disputed an inaccurate account with XXXX, Experian, XXXX. The inaccurate account was XXXX XXXX/ XXXX/XXXX account # XXXX.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. XXXX and Experian and XXXX has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,

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 2018-11-07
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.

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 2020-06-30
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WAKEFIELD & ASSOCIATES, 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 spoke with a rep with Wakefield & Associates on XXXX XXXX regarding collection on my credit report for {$190.00}. I specifically asked the man I spoke with, if I pay this today, can it be updated as paid or deleted off my credit report and I'd make arrangements on a few others they had on me. He told me yes that he would most certainly do that for me. I paid over the phone with my debit card and it cleared my bank on XX/XX/XXXX on the amount of {$190.00}. I also set up ACH payments on the other accounts ( they are not on my credit reports ). I disputed this account on XXXX XXXX and got the results today that it was a verified account and nothing would change. I want this off my credit report! I paid it in full and it should be showed as paid or removed as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company originally reported this item to the credit bureaus back at the beginning of XX/XX/2017 I disputed this item with them as well as the credit bureaus they ended up deleting this item and sent me a notice saying they would stop collection attempt and remove it from my credit file in XX/XX/2017 this is my last attempt trying to get this item removed before I file suit since they failed to verify this item and send real reporting items that have my signature for this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
have talked to capitolone supervisor andhave sent letter to corporate office with no response all can be seen on accountand payments set with supervisor at capitol one, interest fees to high and payment not being reported and late fees 5 times in a row for XXXX even though make payment ofXXXX that wasagreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America XXXX XXXX CMA # XXXX Last Friday, I noticed my online access to my XXXX XXXX account has been disabled, and I could not get into my account. After talking to a XXXX XXXX agent on the phone, he told me that the account is under review. They did not know why it is being reviewed and by what department, or why my online access has been disabled ... They just advised me to be patient, and that somebody will contact me regarding this account within the next 24 to 48 hours. I received no calls. So, after two days, again contacted the XXXX XXXX  agents on the phone, and this time, the agent told me the review might take a month or two ... and that there are no notes on the account explaining why the account is being reviewed, or what department has disabled my online banking, etc. I was just told that they also do not have access to this account other than the profile section, and that such an account exists ... I then politely said good bye and hung up the phone. 
I then called a few days later, talked to another agent on the phone, and after being told the same things over and over again, requested the account to be closed, and that they send me a check for the amount of {$13000.00} that is frozen on the account. He told me that he does not have the ability to close the account, but will submit a request, and if approved, a check will be mailed to my address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL, XXXX, USA. I have not yet heard back regarding this request, and I am out of {$13000.00} frozen in my XXXX XXXX account for no clear reason ... This is ridiculous, and hence, I am filing this complaint.

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 2018-08-30
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Bank of the West checking account online because the Company offered a {$150.00} bonus for any new checking account customer. The online banner never mentioned a code that needed to be entered with the application. Once I clicked on the link, it took my information and told me I had successfully opened a new checking account. 
The account was opened in XX/XX/2018. 
I initiated direct deposits from my employer to my new BofW checking account. I also completed the ten ( 10 ) qualifying debit purchases before XX/XX/2018, as required by the online marketing materials. I also called the Bank before XX/XX/2018 to ensure that I had met all the requirements. I was assured multiple times that I had met my end of the bargain. I was told to sit tight and wait for my {$150.00} bonus to get processed. 
I called the Bank in late XX/XX/2018. 
I was told that my {$150.00} bonus would likely be paid on or around XX/XX/2018. 
Once that date passed, I continued to call and they explained that they were undergoing delays with this marketing campaign. 
In XX/XX/2018, I was told that my {$150.00} bonus would likely be paid by XX/XX/2018. That day passed, and they told me that any further inquiries would need to be handled directly by the XXXX XXXX, CA branch. 
I have never been to the XXXX XXXX, CA branch. I live two ( 2 ) cities over and apparently was assigned to this branch, though I had opened my account online. Had I been given the option, I would have selected a branch closer to my work, where I do most of my banking. 
In midXX/XX/XXXX, I was told that XXXX at XXXX XXXX said that my online application never included a promotional code and as such I was not eligible for my {$150.00} bonus. She told me that only the Bank of the West XXXX XXXX XXXX XXXX could waive that requirement. 
I called the XXXX XXXX XXXX and I spoke with someone at Bank of the West who indicated that the XXXX XXXX XXXX did not want to speak with me. They sent me back to XXXX XXXX, CA and stated that the branch had to decide whether or not to waive the online promotional code violation. 
It's now almost XX/XX/2018 and I keep getting the runaround. 
I last spoke with XXXX at the XXXX XXXX, CA branch and she told me that because I had complained, she could no longer address my concern. 
What is a U.S. consumer to do when a bank like " Bank of the West '' doesn't honor it's own marketing materials for opening a new online checking account? 
Please advise.

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 2018-11-07
Company: BB&T CORPORATION
State: GA
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:
I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.

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 2021-11-05
Company: MiraMed Revenue Group LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier in 2021 I received a call from Miriamed Revenue Group indicating I had an outstanding debt with XXXX XXXX XXXX. I informed the agent calling that I believe I had already entered into a payment arrangement with another agency, therefore disputing the validity of the debt. I never received any information about my dispute, and months later learned they had placed the account on my credit bureau, lowering my score almost 30 points! 
Today, XXXX, I received another call from them. They told me they would be willing to settle my debt for 75 % of the balance, and if I paid, they would remove it from credit. 
The agent proceeded to over talk me, and tell me I am wrong as well. 
This agency never extended me credit, and it is clear now after this conversation, they placed this on my credit for one reason, as a weapon to use against me and force my hand to pay the debt. I will pay the debt, but i want this removed from my credit immediatley and I would like this company sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: National Credit Adjusters, LLC
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:
CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: First Data Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My XXXX XXXX  debit card had fraudulent charges on my account on XXXX one was a purchase of XXXX and a withdrawal of XXXX. I have advised the payroll card company of this fraudulent activity I also advised the federal trade commission and completed and identity theft affidavit. I have also alerted the FDIC and the Illinois States attorney general. XXXX XXXX advised that I would receive a provisional credit within 10 days. I requested to speak with the disputes department I was advised that that department does not speak with customers. I requested communication and updates XXXX XXXX has not provided that.

Company response to consumer: Closed with explanation