BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made the payment needed to close the account with XXXX actt # XXXX but it is still showing as open. 


My credit report showing paid and account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Financial Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: Designed Receivable Solutions, 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 resulted from identity theft

Complaint:
My personal information was used without my knowledge and I was not aware of my ssn being used until I pulled my credit report on XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit determination

Complaint:
Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
Disputed a duplicate charge on my Capital One credit card. After receiving acknowledgement and a credit from them, the charge was later debited to my account with a follow-up letter telling to work it out with the merchant and that the case was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Alliant Capital Management LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please delete the alleged item because t he Opening Date  is inaccurate and incorrect. I have never opened an account with GRC. Please show valid proof of my name and signature on a valid contract or document.

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 2015-05-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check for {$270.00}, but WellsFargo gave the payee {$470.00}, taking {$200.00} extra from my account and additing {$35.00} fee. The extra {$200.00} was set a side by me for gas and food the rest of the week. WellsFargo said they ca n't do anything for 10 business days until they " investigate '', there 's nothing to investigate!!! The check clearly shows {$270.00}, WellsFargo said it was their mistake, but maybe the payee made the mistake of the extra {$200.00}??? How is my account protected, no numbers or letter were altered on the check.

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 2015-11-20
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a Security system placed in y home 5 years ago with XXXX XXXX security. I told sales rep I was not wanting a Credit card he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a Credit Card with a limit of {$7500.00} was opened under my name with Wells Fargo. I never used it and it still shows on my Credit Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent credit cards.

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 2017-01-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
continuously calling relatives and harassing them about an old car that I owe that have already been paid off.

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 2015-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. 

Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. 

Please handle this matter for me. 

Thank you, 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 2016-07-20
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. 
Made first payment of {$110.00} on XXXX/XXXX/16. 
Received a voicemail on XXXX/XXXX/2016 at XXXX. 
Returned phone call at XXXX on on XXXX/XXXX/16. 
Talked to a representive named XXXX. 
XXXX did not know why the collections company contacted me than demanded when will I be making a payment. 
I informed him that I just made my first payment a week ago. 
XXXX continues to ask me when will I make another payment. 
I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
USAA advertised a 1.49 % 24-month new auto rate. I applied and was given a rate of 3.15 %. 

After calling, I was told that I was extremely qualified and they did n't know why I did n't receive the best rate. They then gave me a different rate, which was lower, but still not the top rate. 

I was sold I had a near XXXX FICO score, great income, etc. and no one was able to tell me why I did n't qualify for the top rate. 

I believe this is a UDAP violation and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I began going through a divorce XX/XX/XXXX. After which I was unable to continue payments on my XXXX XXXX XXXX credit card. Once I was able, I began making payments to XXXX XXXX XXXX and paid the balance owed in full on XX/XX/XXXX. During this time period I received notice from XXXX Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final payment I had sent to XXXX XXXX XXXX. In return they sent me the attached letter dated XX/XX/XXXX. I NEVER sent any payment to Asset Acceptance LLC. I have tried unsuccessfully to have this negative information removed from my credit file but they continue to report and re-date the file. They continue to knowingly report inaccurate information to the credit bureaus. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: The Law Offices of Erskine and Fleisher
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Law Offices of Erskine and Fleisher ( representing XXXX XXXX ) filed a Writ of Garnishment ( Circuit Court Case # XXXX ) to my bank XXXX dated XX/XX/XXXX. I received a letter from XXXX on XXXX XXXX, XXXX, advising that approximately XXXX was garnished from my checking account. On XXXX XXXX, XXXX, I received a Notice of Garnishment from Erskine and Fleischer. I settled this matter in XXXX XXXX. The XXXX XXXX account was sold to XXXX , XXXX on or about XXXX XXXX, XXXX. I settled this debt with the attorneys for XXXX XXXX and a Voluntary Dismissal with Prejudice was filed in Circuit Court Case # XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: TX
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 received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Interstate Credit Collections was sent a debt validation request letter and in it I requested the information which is allowed by FCRA and FDCPA. The info they sent me was a barely legible print out copy of a statement which did not even have their company name on it. This company claims I owe them money and they have been falsely reporting this on my credit files with the XXXX major bureaus. I have always sent my correspondences to them certified mail return receipt request but they have yet to provide me with any debt validation but then the company verifies with the credit bureaus, but not me. Not to mention the paper copies they have in their posession list my entire medical history, diagnosis and treatments which is a violation of my HIPAA rights. I never gave Interstate credit collections authorization to have access to my medical history. They are a collection agency that I did not sign a contract to do business with. They claim I am using a credit clinic and they are not going to put up with any more of my requests but I am not using a credit clinic and they are refusing to validate the requests I sent them, Under the law if the collection agency can not validate then the negative information needs to be deleted immediately. They are reporting un-validated false information.

Company response to consumer: Closed with explanation