BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TWO ISSUES : ONE : On XX/XX/2020, American Express incorrectly posted and reported a payment made. The payment was a single check, a single payment in the amount of {$4000.00}. American Express posted it as two separate payments of {$3100.00} and {$900.00}. A payment dispute was submitted and American Express failed to fix the error. Their dispute response website provides little to no information at all. It just indicates the dispute is closed but it was not fixed so I dont know how they can close it. They also state, refer to the communication we sent. American Express has not issued any communications. This is not the first time there has been an issue with the application of the payments at American Express. They really struggle with what should be a simple process. 

TWO : American Express continually keeps sending emails with the subject line, You have a message. The emails provides instructions to either click the link labeled, view message or go to the URL : americanexpress.com/messagecenter when logged into the account. The view message link does not work and the URL ( americanexpress.com/messagecenter ) does not work. There is no message center anywhere on the online account. American Express has been told this before, yet, they continue to send this email message. Its not a valid email. It is suspected that American Express, cunningly, using this as a way to say they sent communications/correspondences, when they clearly have not. Its a sham. 

Attached are accompanying screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company/Creditor : XXXX XXXX XXXX XXXX : Medical business bureau Collection Opened Date : XXXX/XXXX/17 Amount : {$81.00} Issue : I 've noticed on my credit score through XXXX that I have 1 account in collections. When looking at the account it appears to be from XXXX XXXX XXXX for {$81.00} and is currently in collections with the Medical Business Bureau. I never received a bill from XXXX XXXX XXXX and do not know what this bill is for. I also have not received any communication from the Medical Business Bureau about this debt and am only aware of the collection by monitoring my credit score through XXXX and by recently having my XXXX  information pulled in order to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I used Chase Freedom Credit Card in XXXX XXXX XXXX XXXX to buy a suit with pant. According to XXXX XXXX policy, it's well known for both the shop in XXXX and the website of XXXX XXXX that they provide 1 year warranty for themselves. For Chase Freedom Credit card, it provides additional 1 year warranty outside of the automatic 1 year warranty. My pant broke after 1 year but within 2 years range. I filed claim to Chase asking for the insurance cover for my pant purchased at XXXX XXXX XXXX XXXX. 

Chase refused my claim and closed it saying it requires me to provide the 1 year warranty pdf file from XXXX XXXX. I contacted XXXX XXXX customer service, and I was told that they do provide 1 year warranty to their suit and pant, but they don't have that warranty policy as a PDF file on their end. 

Since I don't have such a PDF file of XXXX XXXX suit 1 year warranty. Chase refused and rejected my claim for the broken pant. I think this is ridiculous. Chase try to avoid paying customer the insurance coverage by requesting impossible file from customer which violates the main goal of their credit card insurance policy. If they can't provide insurance coverage for customer using their credit card buying merchandise, they shouldn't say they provide insurance coverage for merchandise purchased by their credit card. I want my full refund of the payment for my suit and pant purchased using Chase Freedom Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Olson Associates PC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back around XXXX of 2019 I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.

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 2021-02-22
Company: The Receivable Management Services LLC
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: Reporting company used your report improperly

Complaint:
I never gave XXXX any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.

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 2017-09-14
Company: United Debt Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I was told I had a XXXX debt in collections from XXXX XXXX ( an account I had closed in XX/XX/XXXX ) that was sold to United Debt Holding. I have not received a single letter or call to collect on this debt. I made numerous attempts to call United debt holding but have not been able to reach a single person about my situation. I have continued for the last 9 months but have not made any progress. This is destroying my credit, even after making all payments and keeping my history clean.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, 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:
EQUIFAX continues to report unauthorized credit inquiries on my my report even though i contacted the companies and got no respond. Equifax stated that they will not investigate inquiries. 

Name of Company Date of Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX - XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
PennyMac Loan Services reached out to me in early XX/XX/2019 to refinance my house in Florida. I proceeded with the refinance letting them know that my job ( The XXXX XXXX ) would take me to XXXX  soon and I would be no longer living in XXXX. PennyMac also told me that my now wife 's name had to be added to the mortgage. It took them four months to close on this refinance due to their constant mistakes such as : Scheduling a notary for signing and then forgetting to get a notary. 
Misspelling my wife 's name multiple times, refusing to fix the paperwork and having us sign anyways. 
They also had me sign as this being my primary residents after knowing that I would be moving and renting out the property. 
The military moved me out to XXXX  so that I could be stationed with my wife, I rented out the house in XXXX  and planned to buy one in XXXX  with my wife as our primary residence. A week before we closed with the loan company XXXX XXXX who have been nothing but helpful, we were told that I couldn't be on the loan since PennyMac listed my XXXX  house as my primary residence. I called PennyMac right away and requested an Owner Occupancy Waiver. The company I am taking my XXXX  loan out through has seen this before from PennyMac and that it can be fixed with an Owner Occupancy Waiver which PennyMac has given out before to veterans in my same situation. After hours of calling PennyMac every day starting on XXXX PennyMac denied my request with no reason given. Due to COVID19 me and my wife had to schedule our vacation days weeks in advance to be used for our moving day which has come and passed due to PennyMac. PennyMac has potentially left us without the ability to buy a house due to them having me listed as a primary resident and refusing to fix it. I can't even begin to describe how much stress this company has caused me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
" " '' I have disputed this charge off on this CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have filed several disputes with XXXX and Transunion stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing Transunion has taken several months since my last disputes and XXXX refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent

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 2018-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Equifax hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed several disputes for transactions in my Netspend / XXXX Account l. After having my settlement check direct deposited into that account the account was drained by a sudden surge of transactions all of which were not authorized by me, had no knowledge of, and really had no way of making the transactions as I didnt even receive the debit card until days after the account was already at.a XXXX balance. I submitted the disputes in a timely manner and after 30 days was informed they found no error which is completely absurd as this is a MAJOR error. I honestly believe this company wasted my time by making me wait 30 days and clearly investigated nothing at all and cost me hundreds of dollars in additional late fees and a multitude of other problems by having that money stolen from me. I feel this company is a total scam / fraudulent company full of theives who are stealing peoples personal finances and telling people they found no error in their investigating cause why would they investigate themselves. There is a major problem here and something must be done.. the transactions I disputed were in 2 separate disputes and are as follows : 1 ) XX/XX/XXXX for  {$1400.00} 2 ) XX/XX/XXXX for {$1500.00} I am formally requesting an investigation be done on this company and for the disputes i had sent to them and was denied.. 

Thank you 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 2018-10-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My loan with Navient was temporarily lowered for six months after Navient reported it on my credit report and my mom credit report. The six months have expired but now I am in school and Navient is unwilling to delay the payments until I complete my degree.I Ishould be finished in approximately two years but they explained I only have 1 month available to use for deferment I started back to school this Fall. I alstro have a toddler, mortgage and car payments along with other miscellaneous bills to pay including my current school payment to attend XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.

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 2018-10-23
Company: EQUIFAX, INC.
State: TX
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I spoke with a rep with XXXX XXXX XXXX XXXXg today, XX/XX/XXXX, regarding a check issued to me from Capital One which was fraudulently cashed.. The rep stated Capital One should have provided a fraud affidavit which they did not and have not investigated signature which was requested numerous times in the past. The check in question is from a closed 360 checking account in the amount of {$4200.00}, intercepted and forged while I was on vacation on or around XX/XX/XXXX. I've provided proof of whereabouts at time of check interception and cashing as well as check copies showing forged signature, Capital One rep by the name of XXXX will not investigate. Numerous complaints filed in re since XXXX of XXXX, unresolved, Capital One rep ( s ) will not reissue check for funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2018 and XX/XX/2018, I sent letters to Ability Recovery Services to validate the debt that is reporting on my credit report. Both times, I did not receive any correspondences from them, but the debt still remains on my credit report.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. XXXX failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2018-07-05
Company: Experian Information Solutions Inc.
State: TX
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:
Customer service would not help take care of the negative inquiries reporting to my credit report.

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