BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Other

Complaint:
I applied for the US Bank XXXX XXXX Visa card in XXXX of 2015. This resulted in a hard credit inquiry on my credit history, as well as paying the {$75.00} annual fee. After paying my annual fee I was supposed to have access to the " bonus award night exclusively for card members '' benefit. On XXXX XXXX 2015, less than XXXX months since I had initially applied for and received the credit card, I received an email stating that this benefit was being removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MD
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:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling Date XX/XX/2015 2015

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 2020-09-29
Company: EQUIFAX, INC.
State: MD
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:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling XXXX XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past three years Arvest Central Mortgage has been charging us for insurance on our property, even though evidence of insurance paid in full by us directly to the insurance companies, has been provided to them. They have continued to charge us escrow for said insurance and they refuse to refund us the funds for insurance they've charged us through the escrow account. We have asked them repeatedly to take escrow off of the account to no avail. Of more concern is that for the last six months, while we have submitted mortgage and insurance payments to them before the due date, they are not applying the payments to our account even though they have cashed the checks. Since they are not applying the payments, they are charging us late payment fees for payments that are not late. They have also reported us to the credit bureaus for late payments that are not late. We have tried to address this with Arvest Central Mortgage without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Last XXXX my wife applied for an American Express card through XXXX. Instead of assigning her name to the card, American Express assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in XXXX ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from American Express ( Amex agent XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had Amex not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as Amex is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX account was opened on XX/XX/2022 at XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL ) using my personal information. Valid ID was used and SSN required to open this account. 

I received a bill from XXXX initially in XXXX but I do not have XXXX XXXX and the paperwork did not appear legitimate so I got rid of initial bill. I received a second bill in XXXX which prompted me to call XXXX customer service and was in touch with their XXXX department. At that time I reported that it was not me who opened the account or me who uses their services for my cell phone. The representative stated they open an investigation ticket and reported that there was no balance for the month of XXXX at that time. 

XX/XX/2022 I received a bill from a collections company called " The CBE Group, INC '' for an amount owed to XXXX XXXX of {$5200.00}. I then called XXXX XXXX again to learn that nothing was ever done about my first Fraudulent report done in XXXX and I began the process again yesterday. I went to my local police department an filed a police report. I also notified CBE Group that this was not my debt and that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit card
Issue: Sale of account

Complaint:
I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. 

I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. 

When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. 

The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. 

I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. 

Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. 

These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.

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 2020-09-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I dnt owe this debt I never went to school and its hurting me for years of my life I want this debt off my credit. Someone use my identity to go to school and I wanted of if not I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received an letter indicating that I owe XXXX money

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 2016-08-22
Company: Computer Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement dated XXXX XXXX, 2016, from XXXX XXXX XXXX. 

The amount was paid in full on XXXX XXXX, 2016. 

I later received a collections notice dated XXXX XXXX from Computer Credit , Inc, for this debt which was paid in full two weeks prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collections Account s Skim d iscover after conducting an investigation in conclusion this account is a result of identity the ft 1. This  account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same deb t 2. Another t hing to note as   is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.
3. When I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by Equifax 4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA form when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I opened a PayPal account XX/XX/XXXX for an eBay purchase and have only used my PayPal account sparingly since then, never experiencing any issues until this XX/XX/XXXX. XX/XX/XXXX I sent {$100.00} to a friend using PayPal ( no different than I had ever done in the past ) and I assumed the payment went through because there was no reason to think otherwise. To my dismay, XX/XX/XXXX/XX/XX/XXXX, I received a call from a collection agency saying that I owed money on my PayPal account. Specifically, I was told that I did not pay back my PayPal line of credit, so in addition to the {$100.00} payment and {$3.00} PayPal convenience free, I also owed a {$25.00} late fee. I was upset because I never established a PayPal line of credit, and assumed that my PayPal account was linked to my credit card and/or bank account as it was in the past. This felt sneaky to me, especially since I had to pay a convenience fee to use the service, only to get burned with late fees later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Choice Recovery, 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: Information belongs to someone else

Complaint:
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : -CHOICE RECOVERY INC XXXX XXXX XXXXCHOICE RECOVERY INC XXXX XXXX -CHOICE RECOVERY INC XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVIC # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2017, I contacted American Express Bluebird in regards to a {$1000.00} bill payment check that was returned to me uncashed to have them return the funds to my account. I explained to the representative and a manager that the original check was mailed back to me. I specifically asked should I return the check back to American Express and I was told no. I was also told by the supervisor on the recorded line that my funds would be back in my account on XXXX XXXX, 2017 at XXXX EST. I checked my account and the funds were not there and so I called American Express back again that same night and I was told basically that the supervisor lied to me about when my money would be place in the account. I contacted American Express again on XXXX XXXX about the status of my money and I was told that it would be in my account Monday at XXXX EST on XXXX XXXX. I have been calling American Express everyday and have been given different answers about my when my funds will be credited back to my account. There is no reason that I should have to keep calling a " bank '' and keep getting incorrect information from employees and supervisors. Yet, I still have not received my {$1000.00} back in to my account. I asked to speak with someone in their dispute department and they stated that there is no way for customers to contact them which to me seems a bit shady. Every real bank has a dispute team and yet I still can not get a definitive answer as to when my money will be returned to my account. It is utterly ridiculous that I have to go through this to have my money put back in my account.This has literally been a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.

Company response to consumer: Closed with explanation