BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
BBVA COMPASS is committing fraud by deliberately giving incorrect info on fees to consumers on phone. I phoned XXXX to ask for fees to close XXXX account open less than six months. Was told no fee. This is incorrect. Fee is {$25.00}. BBVA is deliberately misleading consumers so it can profit from fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
Rushcard did a system maintenance. While doing this maintenance I had a direct deposit go into my account that they wo n't release to me. The system has been down since XXXX/XXXX/15. I and others have not had access to our money before or after. Many of us like myself still after 9 days have no access to my money. You call the customer service line it hangs up on you. Or there is no answer while being on hold for hours at a time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: SCOTTRADE BANK
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My dispute involves transactions from a XXXX. Money was deposited into an account with them using my debit card linked to my checking account. After receiving my money, XXXX closed my account and walked away. They stole my money. XXXX is a scam! I just want my $ XXXX back. I 'm not going to let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX, XXXX and Experian are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having 175 credit cards. In the past I had approximately 4-5 credit cards total and presently only two.

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score.

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products.

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit.

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.

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 2022-11-17
Company: Terrill Outsourcing Group
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2022 I received a call from XXXX. I answered the phone and it was a lady from Superlative RM collection agency. She was very rude and very aggressive. I told her of why I was unable to make my payment and she said Why should I care what other bills you have to pay. That has nothing to do with me! Even though I have been paying payments to them for months and I had also tried calling days before. I would try to talk and she would just cut me off. I would say something and she would twist my words. I told her I was at work and she said Oh so now youre going to rush off the phone I felt threatened because she said Well well have to take further action She was very unwilling to work with me on anything. So I hung up with her and went online and just made the payment myself since she wasnt going to let me get a word in edge wise. I mean I felt very very threatened and scared. This lady was very very hateful and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by BOA as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Bank of America and was able to get the finance charges rescinded, but I have a significant concern that Bank of America is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that BOA would change the drafting nor any explanation for the deceptiveness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
previously disputed XXXX BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XX/XX/XXXX while XXXX XXXX report XX/XX/XXXX and XXXX reports XX/XX/XXXX. There is no way that account can be reported as open with XXXX bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

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 2017-04-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?

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 2015-10-20
Company: Empowerment Ventures, LLC
State: CO
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My check is directly deposited weekly on my card and for the last 2 weeks my account has been showing a XXXX balance even when i had funds on It already now tgey have suddenly disappeared on top of that my checks has been processed to it and im still not able ro access it. Everytime i call customer service i get hung up on or i get an automated system saying there at a high volume call and to try again later. I have bills that are now past due and charging me late fees due to this. I have my daughters birthday today that i cant even buy her a cake due to this matter this is unacceptable sad and frustrating..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: Suttell, Hammer & White, P.S
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
I received a notice from XXXX XXXX, XXXX over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: DE
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 Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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

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 2021-12-17
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan with an interest rate of 299 %. I esigned and at the time i did this, I didn't see an interest rates and my payment amounts. With a rate of 299 & and being on a fixed income, I will never get this paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, US Bank Collections Department illegally ( without a Court Order ) and without my consent debited my personal checking account ending in XXXX, in the amount of {$2000.00} ; for an outstanding collection balance due from a non-related commercial business account ( Midwest XXXX XXXX ) that I was linked to as a registered agent from XXXX, account ending in XXXX and that the they said had been written-off in XXXX. I was merely a registered agent of the incorporated business from XXXX and am not financially liable for any debts owed by that company under the laws of State of Illinois and United States of America . I contacted US Bank Collections on XX/XX/XXXX, via phone and spoke to Supervisor XXXX within the US Bank Collections Department. I explained that I was not associated with the business entity anymore, that I had never received any prior notice about the debt and that they had made a mistake by illegally seizing the funds from my personal checking account without a Court Order. I asked them twice to return the funds to my personal account as it had caused me severe financial harm and I was unable to support my living ( couldn't afford food, medical or basics ). He informed me that I did not meet the hardship guidelines set by the bank and that they would not return the funds. 

On XXXX, XXXX, XXXX, I submitted a complaint to the CFPB regarding this matter. Complaint # XXXX. 

On XX/XX/XXXX, US Bank replied to the complaint and blatantly admitted that they intentionally violated FDCPA ( Federal Law ) by illegally seizing funds held by a registered agent of a Corporation ( not funds of the Corporation ), without written notice as required under Section 27 of their terms set forth within the agreement they provided. The company also did not provide proof of evidence of an original signed and executed Agreement, between the Parties, showing that they had any right to collect the debt for which they claimed they were owed. The company is clear violation of various State Statues and Federal Acts, and all information received will be forwarded to the appropriate State Attorney General and United States Attorney Generals ' Office for review. 

I am asking that is matter be re-opened an an investigation be completed, based on the new information provided by the Respondent.

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 2017-03-08
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Resurgent Capital Services L.P.
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 disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is LNLV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: MN
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:
I have a Costco Citi card, and my issue is with them. On XX/XX/2021 I paid for vehicle repairs at XXXX 's XXXX and XXXX in XXXX, MN. Work was done on the specified part, but additional damage was caused and noted immediately after the vehicle was picked up. After taking the vehicle back to XXXX 's and receiving a bill for additional services in excess of the original repair, I contacted Citi to file a dispute. 

After submitting all of the required documents plus supplementary documents and a written statement, the XXXX assigned to the case closed it without contacting the merchant or myself, stating that I was responsible for the charge. Multiple times I contacted the dispute department requesting that the case be looked at again, and every time I was told that a message was sent to the XXXX or the leadership team of the investigators, but again was never contacted. Two months later and I am still being told the same story. " Notes have been sent to the XXXX '', " we just have to be patient '', " we have no way of resolving this at this level and need to wait '' and many other of the standard phrases you hear from customer service. 

My vehicle was damaged by an auto shop, Citi says that I am responsible, and I don't feel like anybody is listening.

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 2022-11-18
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern. My name is XXXX XXXX and my mortgage company is loan depot When started my loan, with loandepot mortgage I had no ideal that I was praying mortgage insurance. It was when I started my refinance with XXXX XXXX that I fund out I am paying mortgage insurance and I dont have or had mortgage insurance but I m still paying for that insurance. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation