BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, I am writing to you in response to the closing my case against XXXX XXXX XXXX dated XX/XX/XXXX. This case is regarding to XXXX being closed. This case is NOT over and should not be closed. This case should not be closed because I do not owe XXXX, XXXX {$650.00} or any money. In fact, XXXX XXXX XXXX XXXX owes me {$15.00}. XXXX, XXXX keeps harassing me, has locked my access to my XXXX account, and continues to state that I owe them {$650.00} and I do not. 

On XX/XX/XXXX, a XXXX, XXXX representativeXXXX  ( XXXX ), emailed me and insinuated that the {$650.00} deposit may have been sent on the back end to American Express the Corporation, and not directly to me or my account ; and that is why the {$650.00} XXXX XXXX XXXX XXXX states they gave me does not show on my American Express account. Please see the attached email from XXXX, where he stated I would encourage you to speak with American Express, as they received both credits/refunds. Because of this I wrote back to XXXX, XXXX that same day informing them, that since I was not given a {$650.00} credit from XXXX XXXX XXXX XXXX, and that American Express the Corporation most likely received the {$650.00} deposit on the back end that XXXX, XXXX, should go after American Express the Corporation, and stop harassing me. 

Continuing with this case, on XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX messaged me through the Better Business Bureau, and gave me a tracing number which he said American Express can use to trace the {$650.00} deposit XXXX XXXX XXXX XXXX supposedly sent to me. XXXX stated You can provide this trace number XXXX to your card issuer and they should be able to find the refund. Please see the XXXX XXXX XXXX response from XXXX XXXX attached. With this information, I called American Express on XX/XX/XXXX and tried to provide them with the tracing number XXXX XXXX gave me. However, an American Express representative, XXXXinformed me that XXXX XXXX XXXX must call the AMEX Merchant Services Line, at XXXX XXXX XXXX to XXXX, and give AMEX the tracing number, and that I can not call or talk the AMEX merchant services line on XXXX, XXXX behalf XXXX My hands are tied at this point. There is nothing I can do. The XXXX even closed this case. It is unresolved. XXXX XXXX XXXX is accusing American Express Inc. of having the {$650.00}, and that AMEX owes them {$650.00}, but me as an AMEX customer am being penalized for it. Please assist me with resolving this issue with XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me, stating that I owe them {$650.00} when I never received monies or credit. Please help. 

Please Do Not Close This Case. 

Respectfully, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MI
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, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-24
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I found out about this debt after getting my credit report. I contacted this company to validate the debt and they have yet to do so. I have not received the required information I asked for according to the FCRA and the FDCPA. I first contacted them on XX/XX/2021, and I didn't hear anything from them until XX/XX/2021, and they didn't validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: LEXISNEXIS
State: FL
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:
My company credit report came wrong, I did a dispute back on XXXX XXXX, they promised to fix the problems and send me the report corrected. It is almost 60 days and nothing each time that I call, they say : " your case is on investigation and someone will call in the next 24 hours '' and no buddy calls. I have call them no less than 9 different times and always is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XXXX/XXXX/XXXX, XXXX, I gave {$110.00} plus {$10.00} service fee to Western Union at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV . I gave recipient 's and my full identification information on the form. Recipient 's information is exactly the same information on her XXXX identification card. After returning home, I called the recipient in the XXXX and gave her the tracking number to claim the money. She went to a local WU outlet in the XXXX with her cousin. She was given a claim form to fill out and smaller triplicate form to sign. She gave back them to the clerk then was told she ca n't receive the money because the information on her ID card did not match their information. She was advised to call me to make corrections. The discrepancy lies in the name sequence on the WU account compared to her ID card. I called WU and was told that they ca n't change the name ; I need to go back to XXXX XXXX WU to make corrections. Since the store was closed, I went back the next morning. The store was not able to open WU website and the XXXX XXXX clerk stated she could n't make changes. I called WU again and told them about the problem. WU then said the money was already paid to the recipient in the XXXX. I called the recipient ; she totally denied receiving any payment. The local WU outlet there said they returned the money to WU. I reported this to WU. They said that they will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.

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 2019-06-14
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:
My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXX XXXX XXXX {$950.00}

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 2021-09-21
Company: National Credit Adjusters, LLC
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, 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 status incorrect

Complaint:
My daughter XXXX XXXX XXXX opened a credit card account ending in # XXXX in XX/XX/XXXX at XXXX XXXX XXXX XXXX. She added me as an authorized user. I requested and she removed me from the account on XX/XX/XXXX by XXXX. She was 30 days late on her payments in XX/XX/XXXX and this is reflected on MY Equifax credit report and looks like I had a late payment. This is my second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw these accounts from my personal file ; ( AMERICAN EXPRESS XXXX Balance {$0.00} ) ( AMERICAN EXPRESS XXXX Balance {$1600.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 
All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.

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 2017-07-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
<P/>
About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
<P/>
If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
<P/>
Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CMG MORTGAGE, INC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
CMG Mortgage , Inc. its affiliates, agents and employees ( collectively, " Servicer '' ), is the servicer of my mortgage loan. I have experienced financial hardship negatively impacting my ability to make on-time Mortgage payments due to COVID-19 and made a request for a COVID-19 Forbearance in XX/XX/XXXX and was granted such for 18 months until the end of XX/XX/XXXX. On XX/XX/XXXX the Servicer ( CMG Inc ) approved and tried to put me into a COVID-19 Owner Occupant Loan Modification that resulted in a higher mortgage payment than before the forbearance, which is not affordable as my COVID-19 financial hardship continues. 
On XX/XX/XXXX I appealed, the Servicers, decision and stated : I am hereby informing you that I am requesting an appeal of your decision not to evaluate my eligibility and produce terms for all the retention programs available to me after the Cares Act Mortgage Forbearance program. Namely I request that I be evaluated for the Covid-19 Combo Partial Claim and Modification, and the Covid-19 HAMP Combo Mod/Partial Claim. 
As of XX/XX/XXXX the above retention options have been consolidated into the COVID 19 Recovery Modification, which replaces the COVID 19 Owner Occupant Loan Modification, COVID 19 Combination Partial Claim and Loan Modification, and the COVID 19 FHA HAMP Combination Loan Modification and Partial Claim with Reduced Documentation. CMG, the Servicer, responded on XX/XX/XXXX by denying my appeal and threatening consequences. To this day CMG still refuses to evaluate and grant the aforementioned COVID 19 retention options despite the law and repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Bread Financial Holdings, Inc.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately XX/XX/XXXX I received a bill ( attached ) for {$78.00} for medical services performed on XX/XX/XXXX at XXXX XXXX XXXX. Note that, although it was nine months after the service, XX/XX/XXXX was the first time I received a bill for the services. My husband promptly paid the bill in full on XX/XX/XXXX and got a receipt for payment ( attached ). In early XX/XX/XXXX I began receiving phone calls from ARstrat, the collection agency for XXXX XXXX XXXX. They said I still owed {$31.00} on the bill. I said, " no, the bill was paid in full and I have a receipt ''. The agent, XXXX XXXX [ XXXX ] asked me to email a copy of the original statement and the payment receipt, which my husband did on XX/XX/XXXX. XXXX also suggested " well maybe the balance owed was from a different bill ''. She was guessing. I said " no, the date of service and the account number on the collection statement ( attached ) matches the original bill. You're trying to collect on a bill that was already paid ''. Further, I said " even if there is another unpaid bill then tell me what bill that is so I can prove that it was paid also ''. I have not received a response to that request. A few weeks later, I am still receiving phone calls and collection requests in the mail. They keep insisting that I owe the money. They have also threatened to report me to the credit bureaus for non-payment. I consider this bullying and harassment.

Company response to consumer: Closed with explanation