BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: Resurgent Capital Services L.P.
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:
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge. 

I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount. 

I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Vermont Student Assistance Corporation
State: VA
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:
VSAC 's standard practices with respect to its XXXX/autopay system have resulted in ( 1 ) an unwanted forbearance, on XXXX occasion ; and, on a separate occasion, ( XXXX ) {$72.00} in overdraft fees. This is what happens. A borrower can elect to use the XXXX/auto pay system. When he or she wants to add an additional amount of payment that will be debited from his or her account, it takes three days to process that change. VSAC DOES NOT ALERT THE CUSTOMER TO THAT WAITING PERIOD at the time he or she enters the change. If ( as was the case with me ) the next regular scheduled payment falls within those three days, VSAC has done one of two things with me. The first time this happened, it triggered an unwanted forbearance so that the system could catch up with the change over the course of the next month. I would have obviously rescheduled the change to avoid that forbearance. When I called, I was shocked to hear that there was " nothing they could do. '' Well, that artificially EXTENDED THE LIFE OF MY LOAN, due to no fault on my part, and due to their failure to warn me of the three day waiting period. The second time I changed my amount ( also within the three day period ), rather than trigger a forbearance, VSAC accessed an older checking account that I have not used for payments in years. Because there was no money in that account, I incurred XXXX overdraft fees. THIS IS RIDICULOUS. I want my overdraft money back, and I want any interest that accrued on my loan to be paid back. If, on a national level, and as a standard practice, they are not warning folks of such issues with changing the payment amount on autopay within three days of the next regularly scheduled payment, then they ( potentially ) are costing borrowers thousands or millions of dollars in overdraft fees, and are ( definitely ) extending such borrowers loans by triggering the unwanted forbearances.

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 2015-09-07
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have inquires in my report about back accounts I did not try to open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a condo mortgage for a vacation property at Bank of the West through a loan broker named XXXX in their XXXX, CA office ( XXXX ). He assured me he had gotten loans approved at the exact same complex very recently. The condo association lists itself as a " condo hotel '' association rather than a vacation condo complex, and I had already had a loan fall through at a normal residential property rate with a different lender, because the " condo hotel '' association was viewed as a rental property rather than a vacation property, I insisted with XXXX that I would not spend money on another ( second ) home appraisal unless I had his assurance that I would get the loan, barring any issues unrelated to its being a condo hotel. He assured me he had just gotten a loan approved at the complex, and it should be no problem. He locked my rate at a very attractive rate ( 4.25 % ) based on my opening up XXXX bank accounts with Bank of the West, and I went ahead with the appraisal based on his assurance that I would get the loan. Bank of the West charged me {$650.00} for the appraisal, and at the end of the loan review process, the bank denied the loan for the exact same reason - that it was a condo hotel association, and they were treating it as a rental property rather than a vacation home. Understandably unhappy with XXXX for leading me on and costing me {$650.00} for nothing, I insisted he make it right and refund my money, but he did not. They cheated me out of {$650.00} and kept me from purchasing my vacation home.

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 2016-12-01
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Mountain Land Collection Agency, " XXXX, UT '', has garnished my wages for a medical bill and now they have sent a collection notice for the same bill that I have been garnished for. I have called this agency and asked if there was any more dept, they said they could not find any. This agency has a reputation for trying to collect on a debt twice. Being dishonest. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. 

I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: AFNI INC.
State: CA
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 continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Please excuse my writing errors as I am submitting through my XXXX. I was contacted by a debt collection agency that stated that I owed PayPal money through synchrony bank in the amount of {$320.00}. I tried several times to contact Synchrony Bank and all they would tell me was that it related to a PayPal account that was opened and closed. I was able to show them that I have had a PayPal account for several years and had not opened or closed any additional accounts. Regardless the bank let me know that they could not help as the debt has been past to a debt agency. I asked for documentation that both proved the account was opened by me ( in hopes of showing this was fraud ) or that I was notified of an open debt but they said it was out of their hands and the debt collection agency is who I needed to deal with. After contacting the debt agency, XXXX, I sent XXXX dispute letters. All they did was send me the same information of the original creditor, Synchrony Bank, and links to file a long fraud or identity theft claim. As I could n't get any original documentation of the account opening and as a medical resident have little time to continue calling the PayPal bank and debt collector I decided to pay. I now believe that I am part of the PayPal dispute that illegally opened an account without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Sale of account

Complaint:
I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.

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 2015-10-28
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX and AFNI Debt Collection Services are negatively reporting on my credit report with XXXX, XXXX, and XXXX that I am late and owe {$330.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Risecredit, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.

Company response to consumer: Closed with explanation