BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have had a USAA Master card since 1988. This account has always been in good standing. Recently USAA switched to Visa without my permission or consent. I called USAA to tell them I do not want the Visa and to cancel it. They stalled, put me on hold, switched me to a supervisor who told me if I cancel the card it will hurt my credit score, in essence a coercion tactic. This can not be legal or ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
Bank of America sent me balance transfer checks to use up to the credit limit on the account of {$22000.00}. I took advantage of their offer. After they added all of their transfer fees they then reported to the credit agencies that I had exceeded my credit limit. My " very good '' rating immediately plunged  XXXX  points to " good ''.     I feel this is a deceptive banking practice.      1.  They should not allow me to go over my limit if they know the fees will push me over and kill my personal rating.      2.  They should more transparently disclose this issue to annyone taking advantage of their offers.     I called and talked to a representative named  XXXX  and then her supervisor called me. They basically relayed that this issue had been reviewed and the bank followed all policies so there was no error on their part.     I strongly disagree. Reporting that can so quickly destroy a very good credit rating so quickly over such an insignificant amount needs to be reviewed and addressed. The account was over the limit by {$52.00} out of a {$22000.00} credit line and was only over until I received my bill and paid it down as required the following month.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

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 2016-10-23
Company: Convergent Resources, 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 was contacted on XX/XX/2016 by Convergent Outsourcing Inc regarding outstanding student loans for my daughter. I am a co-signer on the private student loans. Prior to this phone call I had not been notified of the status of her loans. The debt collection company has sent me 2 letters via email stating if I pay a total of {$15000.00} the XXXX loans will be considered settled. I was given a deadline of XXXX to make the payment otherwise the offer will expire. I would like to validate this is not a scam. I am not sure how to go about determining this is not a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I filled out paperwork with investment banker @ Key bank to open an annuity in the amount of {$5000.00}. I 'm attaching paperwork to substantiate. I have been receiving what I believed were annuity statements for years. In XX/XX/XXXX I decided to open another annuity @ Keybank. When I mentioned to investment banker that I already had one she told me I did not. She told me that for all these years I had a money market. I was in shock! I could not believe what she was telling me. She informed me first of all that you need a minimum of {$10000.00} to open an annuity. I was not told that. My issue is this. If {$5000.00} wasnt enough to open an annuity why was I not told up front. How can a banker open up a money market account in my name without my authorization.I have contacted headquarters in Ohio and requested paperwork to substantiate that I authorized anyone to open money market. They told me they had no paperwork showing that I ever authorized a money market account. I had money to open an annuity in another account if banker had just told me I would need {$5000.00} more to open account. Instead he took it upon his self to open an money market account without contacting me. Sounds a bit like what going on with XXXX XXXX. Needless to say I 'm very frustrated with Key Bank. I intend on closing my accounts at Key. I now have trust issues with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: FL
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:
On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

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 2015-08-17
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
sunrise credit services contacted me about a XXXX account.i was given instructions of paying debt.i mailed out XXXX money orders.the XXXX in the amount of {$54.00} and a XXXX for $ XXXX.the {$54.00} money order was sent to sunrise credit services with XXXX annotated on money order.Since.XXXX of this year ive been hounded for the $ XXXX.Ive sent several copies of money order that i had traced through the postal service showing it was deposited in a sunrise credit services escrow account.money order included sunrise credit services account number.Still today sunrise refuses to inform XXXX they received payment which postal service confirms was cashed on XX/XX/XXXX.because of this lack of action ive been reported to the credit bureau which a caused my credit score to tumble as well affecting interest rates on purchases made on credit.Id like to add that i followed all instructions given and and this should have never gone to credit bureau under payment agreement.the first contact was made by sunrise credit services was made XXXX XXXX {$54.00} money order sent out XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made an atm deposit on Sunday  XXXX   XXXX  for {$450.00}. {$100.00} cash and {$350.00} check. I also submitted credit card payments for processing on Monday  XXXX   XXXX . I was unaware that the deposited funds would not be available before the debit of the credit card payments came out of the Account. I was charged {$35.00}  three  separate times for a total of {$100.00} over draft fee which is outrageous. The account is always in good standing and never overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ISSUES WITH PROPER PAYMENT ALLOCATION TO THE PRINCIPLE BALANCE AS AGREED FOR FUNDS IN EXCESS OF THE MINIMUM AMOUNT REQUIRED. IN ADDITION ACS XXXX XXXX HAD REPORTED A DELINQUENCY IN ERROR OVER 6 YEARS AGO THAT IS STILL SHOWING IN MY CREDIT FILE AFTER MULTIPLE DISPUTES THAT HAVE NOT RECTIFIED THE MATTER. THANK YOU FOR YOUR TIME AND EVERYTHING THAT THE CFPB IS DOING TO HELP REMOVE FRAUDULENT PRACTICES FROM THE SYSTEMS YOU OVERSEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported that I have a collection from  XXXX  balance of  XXXX  from  XXXX / XXXX /  XXXX  .   The last time I had a phone bill with  XXXX  was 9 years ago! The last balance I had with  XXXX  was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago.   This debt is not valid. Please help!

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 2017-05-10
Company: Experian Information Solutions Inc.
State: FL
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:
On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

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 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On  XXXX / XXXX / XXXX  I disputed an item on my  XXXX  report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify  XXXX  that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to  XXXX .  XXXX  did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information.  XXXX  responded back that they would not reinvestigate as required by law. The information being reported on my credit report by   XXXX    is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

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 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.

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 2015-07-22
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I began receiving phone calls in relation to a debt I do not believe I owe, for a hospitalization in 2014 for which I had already paid the ER bill. The debt collector would not provide me with information about what the debt was from, specifically. I was afraid that they were not a legitimate debt collector, and I did not know where the debt from from. I therefore sent them a letter on XXXX XXXX, after many harassing phonecalls but NO mail received, asking them to contact me via mail and provide me with the following, as they are obligated to do under FDCPA section 809 : What the money you say I owe is for specifically, with a breakdown of charges and the bill from the original debtor ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor specifically, not the umbrella term of " XXXX XXXX '' as I have called both branches of XXXX XXXX to no avail ; Prove the Statute of Limitations has not expired on this account ; Provide me with your license numbers and Registered Agent. 

It is not XXXX XXXX and I have not received any of this information from the credit agency, Optimum Outcomes. I have called XXXX XXXX and verified that my ER bill is paid. I am now being declined for loans and credit cards because of the negative impact Optimum Outcomes has made on my credit report while trying to collect a debt that they refuse to even provide information for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent texts from someone stating they were from XXXX XXXX XXXX and I was to pay {$220.00} for xrays I received. I thought it was a mistake and ignored the first text. I responded to the second text instructing them to bill my medical insurance. Yesterday, I received a letter from CMRE Financial Services saying that they are a collection agency and I owe {$220.00}. I confirmed with the XXXX radiology groups in my county that I have no outstanding bills. I have EOBs from both of my insurance companies where they paid for the last two times I had xrays. XXXX XXXX XXXX XXXX said I had n't been to them since 2011 and they had no outstanding bills for me. All three companies said they would NEVER text me. I have not contacted CMRE Financial Services because I 'm not sure what the consequences would be if I did.

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 2017-05-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
according to the FEDAL FAIR CERDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the first date of that account being late.According to CREDIT REPORT file from XX/XX/XXXX and credit report fromXX/XX/XXXX will show that the item I disputed is due for deletion

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