BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
For the last month I have call to American Express 6 times, today was the last one. I received an offered from the American Express customer service representative, to add an additional car member at no cost. As I have my sister in XXXX its a good idea to give her a card so I eliminate the transfer from here. But since I ordered the card have been a mission to create an online account for her to give her access. Whenever I call they tell me that shes the one who has to call. So she call from XXXX to the international number and no answer at all. I call and I got another American Express number to call from XXXX and they told my sister that I am the only one that can make that call. I have to call again and its not posible to help me because she is not in the call. I add her to the call and she authorized me to call on her behalf, as when I put her on the call it cost me a lot of money because its and international call. Previous representative stated that he put on the system that I can speak on her behalf. Today she tried to get access to the online account and still not able to do it. I call one more time and they said that if she is not on the phone they cant help me even when there is a notation on her profile authorizing me to speak on her behalf. Waiting for the last representative to verify the authorization I have to hear that American Express have got the Jd Pawer reward. I am frustrated and extremely disappointed with their service. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HEAD MERCANTILE CO., INC.
State: FL
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/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 will not actually investigate the validity of an account that I have disputed from 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 2020-08-22
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is refusing to remove a fraudulent collection account off my credit file. For the past year I have refuted and disputed this fraudulent account to both Experian and the collections agency themselves ( Credit Bureau Service ), with it's office in XXXX Arkansas over 10 times, submitting proof that I didn't even live in the state at the supposed time they list that I received medical treatment. This is originally a bill from XXXX XXXX  XXXX  for {$360.00}. They state that I received treatment in XX/XX/XXXX in XXXX MO. The major issue with this is I was living in XXXX TN 3 hours away, and didn't move back in the area until XX/XX/XXXX. My identity was obviously stolen! I also asked the collections agency for a detailed bill just to see if I could gain knowledge of who may have stolen my identity and they refused.

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 2022-08-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I received notice by mail that I was granted both an Administrative Forbearance with a begin date of XX/XX/XXXX, and General/Temporary Hardship Forbearance with a begin date of XX/XX/XXXX, and I was also told by phone that my loan was granted deferment. As of today my loan has not been reported to the credit reporting agencies correctly. It still shows late payments on my loan and I have written AES to address this and made numerous phone calls without any progress. I am going to send a copy of my forbearance results along with the portion of 15 USC 1681 that states having these missed payments on my report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
1. Company : venmo 2. What happened - tried to transfer {$2000.00} to my wife thru Venmo - my venmo account deactivated by violation of user agreement - no explanation why - {$2000.00} was reversed from my wifes venmo account to my account - I can not transfer from my venmo account to back to my bank account since they deactivated My venmo account - I escalated to their account specialist through email they said they will hold the balance for 180 days for loss protection and let me at the end of 180 Days - asked again what types of violation I made, but no answer from them - went to chat support and asked same question, but they said they can not answer since chat support is not account specialist team - there is no phone numbers provided at all for their account team. They said just waiting for email. But no answer from account team

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday XX/XX/XXXX I negotiated a vacation rental with an online offeror. I received a rental agreement via email along with a request to send funds via XXXX. XXXX is an electronic money transfer program endorsed by my bank ( Bank of America ) and  is accessed through my bank 's mobile app. This is unlike other third party money transfer options, such as XXXX. 

I transferred {$2500.00} from my account to the offeror. The funds show up on my online banking profile as " processing '', as this was a holiday ( XXXX XXXX ). 

The property being offered for rent was fraudulent. I sought to recover the funds from the offeror. I tried multiple times through the app to recover the transfer. This was met with no response from the recipient. 

I attempted to contact my bank 's fraud department. After multiple attempts, I was informed that due to the nature of my request, the department I needed to reach was unavailable until regular banking hours the following day. 

I contacted my bank 's fraud department on Tuesday, XX/XX/XXXX. Once I was able to reach the correct department, I was informed that, not only was the department open on Monday, but I could have reached them while the transaction was still in a " processing '' status and potentially recover the transfer. 

Unfortunately, this information was too late, and the transaction moved from " processing '' to " posted '', and my bank was unable to recover the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reporting duplicate accounts on my credit with XXXX  which is a violation and I didn't receive any information about this bill which I am not claiming because I don't know what it is which is also a FDCPA violation.

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 2020-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
3 fraud charges were made on my account XXXX XXXX, on the third transaction ( all fraud activity happened with XXXX XXXX ) I received a app notice from chase and requested if that charge was me or not. I said no and called chase and reported the other two fraud charges I saw prior on XX/XX/XXXX & XXXX on XX/XX/XXXX. 

All fraud charges were taken off onmy credit card XX/XX/XXXX, I froze the credit card and replaced it but have kept the account frozen even with the new card. In XXXX Chase reapplied the fraud charges. I've disputed that I didn't make those charges nor received the product ( Chase informed me it was XXXX XXXX ), I advised them I drive a 1996 XXXX and that I never owned a jeep or knew someone that did and to check my DMV records for proof. 

I advised chase to investigate and look for the ip address where the order was made as that will show it wasn't on my personnel device or PC and with Covid I haven't left my house and should identify the culprit. 

They are advising me that I'm liable for these charges but that shouldn't the case I reported timely and within a several days of the transaction. What are my options? The balance they are saying I owe is {$820.00} and at this time I don't have nor should I be responsible I identified timely the fraud to chase based on their monitoring tools.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB CASE # XXXX Thank you for trying to help me. Capital One does not have anyone to discuss this issue, They reply on their computer to answer which they have. They sent me a computer mumbo-jumbo. They do acknowledge the account is closed and they have received the XXXX payment. They say there is a balance of XXXX. Those charges where placed after the account was closed. I have asked them for a statement of all the charges as well as my authorized acceptance of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX : {$440.00} Action : Asked for proof of a contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I have never received this. Please upload this document with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On today XX/XX/XXXX around XXXX XXXX I was contacted by Amsher a collection agency on behalf of XXXX XXXX XXXX. I was told by their CS Represenative that they were trying to collect a debt for XXXX XXXX XXXX for over {$200.00}. I told her that this was not possible since I had been to the XXXX XXXX XXXX in XXXX and they said nothing about my having a past due amount. I also let them know that I use XXXX XXXX and keep up with my credit and only had one derogatory remark on my credit, and it was not from them. I let her know that I would contact XXXX myself to find out what was going on. When I finally got someone in the billing department on the line she told me that XXXX had been sending out past due notices from XX/XX/XXXX through XX/XX/XXXX. I told her that I have not received any past due notices from them and that anything from XXXX had already been paid through Amsher in XXXX. I asked her what address they had on file for me and she told me that they had my old address that I had not lived at in over a year. I explained to her that even as late as XX/XX/XXXX, that I had to update my information with them since my insurance had changed as well. I also explained that I had been to XXXX a couple of times since my move in XX/XX/XXXX and not once had they said anything to me about an outstanding balance. Now I have a new derogatory on my credit. She said that they had been mailing me notices to my old address and pretty much told me that it was my fault for not changing my address with them. Not only did I change my contact and insurance information with them, but also did an address change with the post office XX/XX/XXXX. I receive all of my other mail from the old address no problem. She could not tell me why I had not been informed when I went to XXXX in person that I had a past due balance. They show that I owe balances from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at not one of these visits has anyone said anything to me about past due balances. I have the same cell phone number that I have had since XXXX, if Amsher had the phone number to contact me then why hasn't XXXX XXXX XXXX contacted me on the same phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my home. My husband passed away and I am just trying to assume the loan. The lender has refused to help me and I can't pay what is due until they offer a loan modification. 

I have no where to go and I am afraid that the lender is going to place a foreclosure sale date soon. I have submitted everything they needed for a proper review.

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 2020-08-26
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I am trying to close my XXXX XXXX Credit card through TD Retail Card Services. 

I did not request this card nor was I informed that my financing option was through a new credit card. One I canceled my purchase from XXXX, I have been unable to reach TD to cancel my card. I can not cancel my account online or via email and have spent over 2 hours on hold on numerous occassions to try and close this account. 

All I want is to close an account I did not want in the first place. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Entry appeared on my credit report, no communication from this company via mail nor phone in regards to this. Attached is a copy of a letter sent to them on this date requesting verification before legal action is taken. 

Copies sent to listed companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Today I was. Overdrawn XXXX dollars someone used my. Debit account number. And they charged me draft fees and tried to send me a new wells Fargo card to same address where my account number was used and don't want to give me a temporary card. I have to cash out at bank and makeshift weapons outside bank in XXXX XXXX XXXX way and XXXX XXXX XXXX XXXXto many issues at same time. And the bank workers hovering around me all day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company calls between 4-5 times every day and hangs up once they get my voice mail. Today alone I've had to block 3 different numbers showing as " PortfolioRecov. '' Every call comes from a different phone number from every state in the US. Many times it shows as a local number and alternates between landlines and wireless. Recent numbers include ( XXXX ) XXXX, XXXX XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have reported each and every one to Call Filter through my provider XXXX XXXX but nothing changes. 

I have repeatedly responded via text and email to delete me from their call list since I have no outstanding debts and haven't for more than a decade. I have received no confirmation from the company and the calls every time I report them. 

I spend about 20 minutes a day reporting each number and then blocking to no avail. I am considering legal action against this company for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. These incorrect addressses on my credit report also place me as a potential victim of identity theft and fraud as mail for me may possibly go to these addresses that I have never lived because they are listed on my credit report. I have sent requests multiple times to Experian concerning on this issue and they have failed to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Account information incorrect

Complaint:
On XX/XX/XXXX the XXXX XXXX account was settled for me through National Debt Relief, yet XXXX XXXX continued to tell the credit bureau that I owed {$5900.00} + when they know that they settled this account on XXXX I asked Experian way back in XX/XX/XXXX and forward as far as today to fix my credit because I sent them proof that XXXX XXXX settled the account the credit bureau refused to fix it stating that XXXX XXXX would have to fix it. I sent XXXX XXXX all the information showing that the account was settled yet they said they didn't receive the signed document they needed to close out the account. I forwarded them the document and they then said it was blurry and they wanted me to directly sign the document they were sending to me through document signing through my email. I opened the document but they had filled in the date showing it as if it was just being done today. I asked XXXX XXXX to change it to the original date that the transaction happened they told me I could change the date but it was not allowing me to change the date. I immediately contacted them again and stated I could not sign it because it makes it appear that we just agreed on today. XXXX XXXX said no because the paperwork has XX/XX/XXXX on it. I refused to sign it because it is showing that even though its shows last year the date of signing shows today. I forwarded them the document I signed with the correct date on it and now they are saying that it is blurry and they can not see it. I should allow them 72 hours to make a decision on the situation. I sent another copy to XXXX XXXX XXXX XXXX who stated that she already forwarded the document to where it needs to go. I am frustrated because XXXX XXXX knows they settled that account and continued to fraudulently report on my credit that I still owed them money. That account should show settled as of XX/XX/XXXX. Please help

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