BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: SUNRISE CREDIT SERVICES, INC
State: MD
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:
I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.

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 2016-05-19
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a formal complaint against SUNTRUST MORTGAGE. 
I am receiving correspondence from Suntrust Mortgage almost daily in regards to late payment which was included in a chapter XXXX. The bankruptcy has been discharged and one of the criteria from the TRUSTEES was to make sure mortgage to be paid on time. I have made every payment on time since bankruptcy and Suntrust is continuing to show late fees which has since been paid by bankruptcy court. 
I made XX/XX/XXXX and XX/XX/XXXX payment on time and today I am receiving a registered letter stating I 'm 2 months behind. I have spoken to XXXX representative from Suntrust and I was told they would update their record. Nothing has been done and I refuse to allow them to report missed payment to Credit Agency due to their inefficiency.

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 2021-01-20
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection notice on XX/XX/XXXX. I responded requesting verification of this debt by certified mail. SRM received the dispute on XX/XX/XXXX. Attached is USPS tracking XXXX. 

No response until XX/XX/XXXX. Letter is dated for XX/XX/XXXX. This is 47 days outside of the FDCPA section 809.15 USC 1692g. I clearly in my first letter requested proof of the amount that XXXX claims I owe and was sent back a contract with no verification of what exactly I owe and what for? I currently use XXXX and service with them and have no outstanding debt owed. 

I received a phone call at XXXX XXXX central time zone on XX/XX/XXXX. This call came from SRM claiming I owe a debt. I again asked for clear verification how I owe {$260.00} and the lady on the phone refused to clarify that debt claimed I owe. I called back and spoke with XXXX at XXXX XXXX  on XX/XX/XXXX and she hung up on me after I told XXXX that their response was past the 30 days under FDCPA. I also tried to explain I need better clarification of the debt. Please see evidence attached to this complaint. 

This debt is false and misleading.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Convergent Resources, Inc.
State: GA
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:
In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: DE
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:
My identity was stolen and I dispute the inquiries over the pass two years and they are still on my report along with new items within the last 6 months. I have done my part reporting to the police and still I have not seen process. 

The inquires are listed below XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust

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 2021-01-21
Company: EQUIFAX, INC.
State: PA
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:
To Whom it may concern Under 15 U.S. Code 168b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute correspondence. This firm continues to break public statutes with the blatant disregard for the confines of the law. 

Concerning the account listed below as a consumer I am demanding a deletion of this account. 

XXXX XXXX XXXX XXXX XXXX ACCT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation.

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 2016-10-10
Company: Convergent Resources, Inc.
State: OH
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:
Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2017 I did a consumer credit transaction with XXXX by XXXX XXXX. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. XXXX XXXX is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. XXXX XXXX failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.

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 2016-08-07
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I was issued a personal check. When I went to cash it at the bank that it was drawn on ( Suntrust ), they wanted to charge me {$7.00} to redeem it claiming that I would have to open an account with them for the fee to be waived. This ca n't be legal. Why should I be penalized for accepting a legal financial bearer instrument. It is as if I were to borrow {$100.00} from you, and when you asked for repayment I told you that I 'd be please to repay you but it would cost you {$7.00} for me to take it out of my pocket.

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 2017-02-11
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I was first asked to start making my payments I asked questions about loan forgiveness from several representatives because my daughter who is responsible for this loan is a Delaware XXXX. From the beginning Fedloan Servicing has constantly gave us wrong information. They are absolutely horrible and their representatives answering the phones are clueless and have no interest in helping the young people today burdened in loans. Several times I mentioned about the loan forgiveness program and I was told all I had to do was tell them over the phone since they were the loan agent which I did giving my daughter 's information to them. I was told she was enrolled and to just make 10 years payments and at the 10 year mark everything stops. This is on recordings I am sure because these people record EVERY phone call. I became skeptical several times hearing adds about how organizations help get loan forgiveness ( another farce who preys on our young students ) so I called several times spoke to a representative and was told NO your daughter is fine already in the program. 
Recently when the payment went up I called to speak with a representative to understand and at that time I was told no your daughter is not in the loan forgiveness program!!! and we now have to fill out forms and the payment would double what it was now if she chose to get in furthermore the 2 plus years of payment do n't count!!!!!! Someone tell me how someone representing the federal government can be so clueless and not provide the correct information. Fedloan should be released immediately and NEVER provide anything to our young students. They are an absolute nightmare. All I got is we are sorry from the last representative I spoke to, she is sorry. Also in 2 years my daughter only reduced her loan XXXX dollars!!!!!!! So they made 2 years interest looking at my checks!!! I would like someone to look into my claim. As I said I know they are required to tape all conversations and this will prove my accusations against these clowns. My Daughter is XXXX XXXX XXXX she has a student loan with FedLoan Servicing, I can provide all the information you need. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed my card in error. And they refuse to fix their error. I wanted to closed one of my cards ( Amex XXXX XXXX ) because changes in terms of the account. So the rep closes all my American Express accounts in error. The rep did not even read me the required disclosures. This happened on Thursday XX/XX/XXXX. American Express has been discriminating against me since XXXX. I finally had to retain a reputable law firm to look into this case of discrimination by American Express. American Express refuses to listen to the recorded call on XX/XX/XXXX, because they know they made an error. I no longer want to do business with American Express. I just want them to admit their mistake and apologize.

Company response to consumer: Closed with explanation