BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Hillcrest Davidson & Associates
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.

Company response to consumer: Closed
Consumer complaint received 2021-04-21
Company: Autovest, L.L.C.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This first investors account on my credit they sold my legal information to auto vest. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid

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 2016-03-15
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-10-13
Company: Delta Management Associates, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: TN
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
Rushcard perform a system upgrade on the morning of XX/XX/2015 and ever since then I have not been able to access my funds. I have gotten the same answer for the past 9 days and they have all been inaccurate. I have called at least 3-4 times a day since XX/XX/2015 and I never got my issue resolved. I have bills to pay and ca n't because they can not or will not figure out what has happened to the funds I loaded previously not can they tell me when the funds I have directly deposited from my employer will be available

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: Empowerment Ventures, LLC
State: AR
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Have my payroll check deposited to a rush card. Unable to access my funds using PIN number. Tried to change PIN number without success. Unable to access funds. Could still call activity number and get my balance. Could pay bills that did not require PIN number. As of today I am unable to get my balance or any information on my account. No one will answer the phone either. I have XXXX that I ca n't access to pay my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: SQUARETWO FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Delinquent account

Complaint:
An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My interest rate on my WalMart XXXX is currently at 24 %. I've had no late payments, and of my {$170.00} payment, {$120.00} of that is going to interest alone. I contacted WalMart and asked for a decreased interest rate, and was told I have a variable interest rate that is determined by the Federal Reserve. No other cards are charging me this high of interest, and the last time I checked, the Federal Reserve interest rate is 1.75 %.

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 2016-08-09
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX XXXX XXXX incorrectly terminated coverage but has since reinstated coverage. During this period they denied payment on several claims. These bills were turned over to APEX ASSET MANAGEMENT XXXX. APEX calls repeatedly and hangs up. This deceptive practice is so that you will call them back and they can demand personal information from you to " verify the account. '' They are extremely abusive when you call back and half the time they hang up on you again. 
Two employees XXXX and XXXX were overtly abusive and rude and informed me that if I did n't verify my personal information with them then the debt would be " referred to legal. '' I attempted to explain the issue with the health insurance and that the claims are being resubmitted by the company for payment of the medical bills. 

The continued to act in an aggressive and abusive manner and continued to inform me the matters would be " referred to legal '' unless I provided my address, date of birth and social security number. 

Despite being told to stop calling, instituting a 10 day bar per the Debt Collection Practices Act, they continue to call multiple times a day and hang up hoping to call back. This harassment must stop. I am very sick and I do have health insurance. They would not listen to the explanation that the health insurance made a mistake. 

They do n't care and continue to threaten " referral to legal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Action Collection Services INC. is reporting a collection account ( XXXX XXXX XXXX ) on my XXXX Credit report that is not mine and they are damaging my credit with this. 

I contacted Action Collection Sevices Inc. on XXXX ( attached : original letter to Action, & certified mail delivery ) asking them to send verification of the debt with in 5 days. By law a collection company has to verify any debt the consumer asks to verify.They still have not. They responded with a letter stating they can not locate the account ( attached : Action response letter ) I gave them all information needed to locate said account, obviously they are misreporting information to the credit bureaus and damaging peoples credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EdFinancial Services
State: VI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I agreed to rehabilitate my loans in 2006 and was lead to believe this was a 10 year loan. I am now in year 11 and not even 1/4 of the loans have been paid off. All documents say they are using simple interest at 8 %. I have since paid off more than XXXX on an 8 % mortgage using simple interest. 
My loans totaled XXXX and I started paying in 2006. At the time of my last statement I still owe more than XXXX. They have been applying most of the payments to the interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother 's home was full paid and she applied for a mortgage in XXXX her only steady monthly income at the time was SSA benefits. She received the mortgage with payments of about $ 700/month. She passed away in XXXX and I have been trying to assume the mortgage since her passing. Complications arose from the beginning with the mortgage company not responding to the request ( multiple requests were sent for assistance ) ; there was multiple mortgage service providers ; dealing with the death of my mother and my own health and financial issues. The last company holding the mortgage again either did n't respond to requests for assumption application or repeatedly asked for the same information multiple times EVEN after acknowledging they had the information. The amount owed on notices were different, the POC changed multiple times ; notices were not being sent to the proper mailing address. The mortgage company took it upon themselves to change the mailing address. The mortgage company and the servicing provider even gave the neighborhood housing counselor a hard time in responding to requests and acknowledging information receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I got a CareCredit card to use in case of a medical emergency. I felt comfortable knowing that I had access to immediate funds to use in the case of a medical emergency. I had a medical emergency come up and was really relying on my CareCredit card in order to pay for the medical services I needed. I go to use my card and it is declined. They tell me that the account has been closed due to inactivity. Because of this, I was forced to use my rent money. Now my checking account is sitting in the negative and I am being charged more every single day that it is in the negative. I am also now unable to afford gas and food and when the time comes to pay my rent, I will not bad able to pay it. Because of this event my having a place to live and a job is now at risk. CareCredit has been completely unwilling to help other than telling me to just reapply. I will no longer be able to take care of any medical issues because CareCredit decided to close my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
We are being charged for things on our account but no one can tell us where they are coming from, the balance we had on the card was XXXX as of XXXX XXXX 2016 and there were no more charges on the account, when we received the bill they were charging us XXXX on top of that i had XXXX worth of credits applied back to the account, and for months it did not reflect, we have asked for help from them so many times, with getting no help at all, no statements ever reflected the credits or the additional charges they claim we have, we have refused to make payment at this point because of the issues that are wrong, and we dont feel we should have to pay interest on the items that have been returned to the account, and the interest a month has not changed, i would like to get this situation fixed as soon as possible, as its interfering with us buying the house we were in the middle of buying, and when i stated to the lady this could cause us to be homeless she laughed about it. this company is the worst to deal with, and reaching people other than a call center and having them demand money is not the way to get it, with the statements from amazon and invoices i have enough to prove we do not owe the balance they claim we owe. we have been trying to work with them since XXXX 2016. they have also locked me out of the account so i can not get on access it, get proper statements or even make payments, they are now currently sending statements in the mail with no information provided.

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 2016-04-18
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Credit card
Issue: Other

Complaint:
I just received and activated a Barclaycard Arrival Plus credit card. I was drawn to the card because of their offer of XXXX Bonus Miles if I spend {$3000.00} within 90 days. You can see this offer on their website : barclaycardus.com. Now I find out that there is no Bonus Mile offer at all. In fact, the card does not offer miles, period. I discussed this with their Relationship Manager, XXXX, on 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 2017-04-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with fraud alerts or security freezes

Complaint:
Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.

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