BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this credit card on XX/XX/XXXX with the bonus offer that was promised on charges for first year. Offer stated that it expires on XX/XX/XXXX at that time and was even extended til XX/XX/XXXX. I spent about {$500.00} in first month at restaurants and was expecting 10x points to be posted when statement closed. Upon seeing the points not posted properly, contacted American Express customer service. I was then told to wait few more days as it might take couple weeks for bonus points to post. I kept my restaurant spending going as I was still expecting this to be rectified. In middle of XX/XX/XXXX, I  reached out to customer service again and was notified there is no such offer on my account. I was then told that representative will open request with Marketing department and it will take 2-3 weeks  for response. I called again in middle of XX/XX/XXXX as I spend over {$1000.00} at restaurants on this card and bonus was still not posting. I was told Marketing department did not make any updates so offer is not applied. I asked to request Marketing department to look at my case again as I was promised something on website and am not receiving it.I gave them another month and called again in end of XX/XX/XXXX. This time I was told my request was denied and that I was not offered this particular offer even though I clearly applied for the card from the page that has the offer. I asked to speak to supervisor and was told nothing can be done. I was then told that based on my history, I would be offered XXXX points instead of XXXX points I should have gotten. I stopped using the card and decided that American Express did n't deserve my business. I also lost out on 2x points for {$50000.00} as well that i would have spent on the credit card if the offer was extended to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Suntrust Credit Card that offered zero-interest balance transfer for a one-time fee. I took advantage of that for an approximate total of {$7300.00} in balance transfers over the course of 8 months. There is a minimum payment due on the transfer balance of approximately $ XXXX $ XXXX but no interest is charged until the expiration date of the offer ( XX/XX/2020 in my case ). Since obtaining the zero-interest balance transfers, I have only made two retail purchases amounting to approximately {$350.00} dollars. I was told by the banking rep that I could pay over the minimum monthly amount to cover those purchases and there would be no interest on those charges ( 16 % otherwise ). However, I have now been told by another rep that I can never pay off those purchases resulting in perpetual interest on those purchases until I pay off the entire balance of {$7500.00}. In other words, the bank is forcing me to pay interest on that {$350.00} despite my request to pay it off because there is still a XXXX interest balance transfer balance. I have now been told that if any portion of your credit card balance is XXXX interest, you can not pay off retail purchases that have 16 % interest. This apparently is in the fine print but was the opposite of what the original Suntrust rep conveyed to me. The Suntrust rep I last dealt with responded simply by saying that is the policy and the original rep ( upon which I relied ) was wrong. Nothing they can do about it.

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 2017-04-21
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar Recovery recently reported a {$560.00} collection account on my  XXXX   XXXX  credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
This complaint is a concern with using my Google Wallet in concert with a prepaid XXXX debit card. I have a XXXX debit card that is registered to my name and address. I want to pay a friend of mine {$50.00} from this debit card. However, when I try to add this card to Google Wallet to pay my friend, and click " Save '', I receive an error message : " Unable to complete transaction : prepaid cards ca n't be used ''. This error occurs solely based on the card number ( probably the XXXX ) ; it does not appear that Google Wallet/Google Payments attempts to process a charge on the card. I tried this as recently as XXXX XXXX, 2017. XXXX 's regulations require that all payment processors honor all types of XXXX cards, including debit cards. Nothing in Google Payments ' terms supports the premise that it can selectively discriminate. Therefore, this behavior is discriminatory and a violation of XXXX 's rules.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I received communication via USPS concerning a debt for account XXXX. Under the Fair Debt Collection Practices Act I have 30 days to ask for you to verify a debt. XX/XX/XXXX I sent a certified letter requesting that you verify the debt which was received by your office of XX/XX/XXXX. As of XXXX XX/XX/XXXX the debt was never verified. Because EOS CCA could not verify the debt they can not legally continue collection practices but this hasn't stopped them. On XX/XX/XXXX two years latter I received another letter from EOS CCA trying to collect on the exact same alleged debt. They are in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted of an account that was sent to collections ( Procollect ) on my credit report. After further investigation I found that my social security number was used fraudulently. I called Procollect to find out what steps I needed to take to erase this fraudulent debt off of my credit report. I sent the documents they requested and after a couple of days I received a call about other documents that needed to be submitted. I asked multiple times which documents where needed so that when I listened to the call recording Id be able to double check and submit what was needed. I have sent the documents 3 times already and have not heard back from them. They are giving me the run around and this is not my debt.

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 2020-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I notified EQUIFAX that I am a victim of identity theft, and they responded that they were able to VERIFY fraudulent accounts and I would like to know ow do you verify a fraudulent account on my credit report that belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous 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 2022-05-03
Company: LTD Financial Services, L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to this company at least 5 time about an account that is showing on my credit report that happen due to identity theft. I have never had nor applied for nor gave anyone permission to apply for a credit card in my name or social security! I have submitted Police and FTC report and they have just stop responding. The XXXX XXXX XXXX  has sold the account to LTD AQUISITIONS LLC. The account was opened On XXXX XXXX from what i am seeing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : AMERICOLLECT INC Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$150.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out a mortgage loan with the promise of having a low monthly payment and low interest rate as advertised. However, the monthly payment and apr were not the amount as promised but the contrary, they were monthly payments that I was not able to afford. The bank started a foreclosure action against my property in   XXXX    . I tried to do a loan modification in several occasions but the bank denied me without an in-depth explanation. I was a victim of the subprime mortgage crisis ; I am  XXXX   XXXX   XXXX  woman who wants to pay her mortgage.

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 2019-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I saw a {$140.00} overdraft fee PENDING, so I deposited enough money to make it positive without the overdraft fee. I immediately called customer service and her answer was that I had a {$74.00} overdraft refund last XX/XX/XXXX, so she could not reverse the current {$140.00} fee. I told her that was due to XXXX XXXX charging me twice in the same month for the same service. Management admitted to the problem and I had them on speakerphone with a witness. They later tried to rebuke the statement and said Florida does not allow a witness to overhear conversations. Since I had a XXXX area code he must have thought I was in Florida and I told him I was in North Carolina and they do allow such action. He was taken back. So without the {$74.00} fee she would have reversed the {$140.00}. I also sent an email in explaining that 3 of the charges were from XXXX, a 5/3 product meant to save you money, not cost you money. The PENDING charge of the fee should have allowed me to cover it as I did and that works at all other banks. This is unwise to hide the transaction for a day and then not be able to do anything with it. I took out a cash advance to cover it and that cost me another fee plus high interest. Customer Service just wants to send out some legalize letter to me explaining what happened ; I am not interested. I have worked as a Vice-President of XXXX and know that a policy can be overridden if it is in the interest of customer satisfaction. I am being taken advantage of here and these banking laws are iffy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: The Grogan Law Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I spoke to XXXX XXXX of Grogan Law Group of XXXX, NJ to set up a payment plan for my debt. She used a disrespectful tone, even after I had requested that I was fairly trying to pay what was owed and finding the best way possible. Her language was accusatory and demeaning. On XX/XX/XXXX when trying to make a payment, I spoke to a representative who frequently cut me off when I requested information and raised his voice in a demeaning manner. Before I could ask another question, he hung up as soon as the payment processed. In addition to this, I receive no receipts, only confirmation numbers. The initial summons was sent to an address that I was associated with but was not my legal residence. The debt that they were trying to collect was not associated with this address, therefore, I did not receive the summons and lost the lawsuit by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: GreenSky, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with XXXX  and Transunion on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!

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 2020-10-06
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did three loan modifications after my home came out of bankruptcy my bankruptcy was dismissed I received letter in XXXX of XXXX stating my loan modification was complete I never received a denial or approval I filed a complaint with FHA in XXXX of XXXX due to the lack of correspondence my mortgage was raised in XXXX after I show the lender I had lost income I also requested another loan modification XXXX of XXXX for one never to be sent out I also requested another loan modification XX/XX/XXXX of XXXX to be told there's a 7-Day request from a different department before it could be mailed out so my modifications still will not be mailed out until XX/XX/XXXX and now US Bank has ordered me to appear in court XX/XX/XXXX as well as I need them to fix my credit score and how they're reporting this is been going on between me and them for a year-and-a-halfdue to this current situation I have no credit score I'm on XXXX which is fixed income and then I've lost another set of income but they're refusing to work with me I've been in my home for over 10 years and there making it impossible for me to refinance with a new lender this house was caught up in the mortgage fraud with the same lender 3 years ago and I don't trust this this time I really need an investigation into what's going on here.. I'm not trying to be XXXX   with my children due to a clerical error for miscommunication.

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 2018-12-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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