BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Ascension Point Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am concerned about identity theft by this company. Scam debt collection call regarding my recently deceased mother. My mother has never owed any debt and being from the   XXXX   XXXX   generation rarely used credit cards and paid for most expenses by cash.     In calling the number,  XXXX , it was found to be a company, AscensionPoint, and I found numerous complaints online about their scam practices especially in the cases of deceased family members.     Unfortunately,  AscensionPoint h as a website ascensionpoint.com,  XXXX , that makes it appear to be a legitimate company but obviously, it is a fraud/scam organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, HUNTINGTON NATL BANK Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: ENCORE CAPITAL GROUP 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:
My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a Care Credit Account with Synchrony Bank. 
I am using this Credit Card to pay for my Cat 's VetBills, my cat has had XXXX episodes of XXXX. 
I have met all my payments for the promotional offer, no interest if paid off in full in XXXX months. 
I have used this card at my Vet for my cat 's pills, charges in the {$40.00} to {$100.00} range. 
I have diligently paid my monthly payments. 
I noticed on my Care Credit bill, I am being chargedInterest. When I inquired about the interest charge, I was informed by a representative that any chargesunder {$200.00} must be paid off in full in XXXX days. 
I never received a separate statement about thesecharges, they were folded into my promotion bills. 
I did not receive a separate statement stating whatcharges are accruing interest so that I would havethe opportunity and information to pay these chargesbefore the interest was charged. I have paid $ XXXXXXXXin interest so far this year, that I was unaware ofwhat charges interest was being accrued. 
I feel this is very deceitful by Care Credit. 
The customer should be made aware via a separatestatement in additional to the promotional statementsI would certainly have paid off these charges ratherthan pay interest. Since I was informed of thesecharges today, XX/XX/2015, I have arranged topay the remaining amount to avoid additionalinterest charges. I feel I am being penalizedfor paying monthly payments that were a part ofa promotion and paying them off in full before theexpiration date and then being charged unbeknownto me interest on charges I did not receive a separatestatement to be aware of this issue. 
Care Credit is practicing unethical means to havetheir customers accumulate interest because theyare not issuing statements on these separatecharges monthly to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Closed account because company is taking advantage of me had a  XXXX  balance remaining but bank is showing  XXXX  Statement balance as of  XXXX / XXXX /  XXXX   {$1000.00} Transaction Date, Description, Category, Amount  XXXX / XXXX /  XXXX  , '' RETURNED PAYMENT FEE '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' PAYMENT REVERSAL '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '  XXXX   XXXX   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX   XXXX  '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  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 monetary relief
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: TX
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 an out of town I 'm a   XXXX   no ATM deposit in  XXXX  current in  XXXX  same thing heading To  XXXX  and I had my daughter deposit trying to avoid bank fees now  Wells Fargo g ave me  XXXX  {$35.00} fees and they are telling me the bank will not allow them to credit my account I 'm a loyal customer too

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 2017-05-09
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ON    XXXX   XXXX   XXXX     I was called by  XXXX   XXXX   XXXX  and a representative spoke with me about refinancing. I told him that I had spoken with someone and I had to pay off some debt to bring my  credit score u p and he said you only need  XXXX  and I said ok. I was transferred to  XXXX   XXXX   XXXX  and explained the situation and he said no problem we can do something. I called this morning and he get to explaining that we had too much debt and my  credit score  was too low ; all what I told him in the begining. I also told him his representative dont know nothing and do not have the right to tell you anything. I said then why do he work for you. We went on and on and he said you have too much debt and could not help. I said I told you that in the beginning. I dont know if they get anything for seeing if the people do qualify and they dont. Can something be done about companies trying to say they can help after you explain the situation and dont 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 2017-05-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.

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 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of transunion inquiry issues i tried to contact customer service but they would not help and take care of the negative inquiries reporting to my credit report. Here is a list of the inquiries i ask to be removed XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2020

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 2016-12-12
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Synchrony Bank of XXXX XXXX administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in XXXX XXXX and in XXXX. Synchrony accepts unauthorized debits to our MasterCard processed by " XXXX XXXX XXXX XXXX .The amount charged ( debited ) was {$89.00} dated XX/XX/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response XX/XX/XXXX that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatever they wish. We are returning my wife 's and my Walmart credit card 's as we did last month with a Sam 's Club credit card due to what we consider are 'abuses ' on our credit cards. Have sent letters to Synchrony in XXXX and copies to Walmart 's corporate office in XXXX XXXX but to no avail. They just want our money for items unauthorized. We called the U.S.P.S. and they told us to simply write " refused delivery '' on the packages and return them to the Post Office which we are doing. Desired resolution was to stop doing business with Walmart, Sam 's Club and most of all Synchrony Bank and XXXX. 
My information : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tel. pho. XXXX. Both my wife and I are in our XXXX and remain active. Product information : " Shipping Dept., Supplements, XXXX XXXX, XXXX ID XXXX '' ( no other information on the packaging except " USPS First Class Mail. '' " Ship to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' Thank you, Sen. XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: USA DISCOUNTERS LTD
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.

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 2015-11-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. 

We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.

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 2016-09-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a victim of fraud and syncb wont reopen my account when it was n't my fault.

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 2015-04-25
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I received a prepaid rewards card from American Express as part of a promotion for purchasing an electronics item from an online vendor. I live in Minnesota, where I thought any gift card whether prepaid credit/debit or otherwise would be exempt from service fees. In other words, if you receive a {$5.00} card then it will remain as such until used. 
On the Front of the card it labels the {$5.00}, and a Valid Thru date of XXXX ( XXXX 2020 ). But on the back it claims it will sustain a {$2.00} service fee per month after XXXX months of issuance, but in the same line it says Funds do not expire. 
This is very confusing. Funds do not expire, but they clearly do through the attrition of the service fees. The semantics might be different but the end result is the same. You must use this card or else the fund will indeed expire. 
The rebate program was a joint venture between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them

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