BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I found my American Express Membership Rewards Program account is frozen by American Express Company when I tried to purchase a flight ticket with my Membership Rewards points. Here is the message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

I chatted with their online agent, called the Membership Rewards program agent, American Express travel agent, and an agent from the security team. But, nobody from American Express can tell me why my point account is frozen, and when can I use my points again. People from American Express keeps transferring my call to different departments, the last agent told me she didn't know why my account is frozen and the only thing I can do is to wait. I asked her how long should I wait, and she said I need to wait 3 billing cycles, which is more than 3 months. I need these points to buy flight ticket right, and the ticket price is keeping increasing everyday! Why I should wait 3 months for a unclear reason? Please give me an answer, or least give me a reason. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan just got transferred from XXXX to Loancare. My previous mortgage payment was {$1200.00} with {$22000.00} remaining on the balance and maturation date around XX/XX/XXXX. I just saw on the new Loancare statement that the maturation date is now XX/XX/XXXX with a monthly mortgage of {$1100.00}. Loancare never sent me a document for a new loan and secretly slapped 15 years of loan without notifying me or my agreement. There is a BIG discrepancy of the statement and the actual amortization schedule to XX/XX/XXXX. The statement said the new monthly payment of {$1100.00} due in XX/XX/XXXX includes principal payment of {$870.00} and interest of {$100.00} but the amortization schedule says for maturation date of XX/XX/XXXX, the payment for XX/XX/XXXX includes interest of {$100.00} but principle payment of only {$74.00}. Where does the rest of {$790.00} go if not to my principle??? The new loan I would not want to extend my loan whatsoever, especially with such a shady company like Loancare. If using the new loan amount and the new maturation date, the total amount Loancare wants me to pay is 10 times of the remaining balance!! I am totally disgusted by Loancare!!

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 2019-07-20
Company: Innovis
State: GA
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 checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: ID Analytics, Inc.
State: GA
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 checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account. 

The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well. 

So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I  can know what is going on and do next thing. 

The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX. 

So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations. 

Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed. 
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.

I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt. 

At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/16 I had a doctor visit but the bill was never sent to myself nor my health insurance provider. I received a call from debt collections several months later and they never sent any proof of this {$160.00} doctor visit. They claim it was lost in the mail and tried sending it 5 times to me and health insurance company but neither of us ever received it. They have offered no physical evidence of the debt they claim they are trying to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Resurgent Capital Services L.P.
State: VA
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 information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) So. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 )  XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: JPMORGAN CHASE & CO.
State: FL
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 informed Chase Credit Card Services that Im going through hardship and that I can only make payment for the amount of {$50.00} per month Chase did not wanted to the {$50.00} dollars per month They want to close the account. 

And due to the payment situation Chase have reported late payments to the Credit Bureaus I have been Chase Customer for many many years Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: FL
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:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XX/XX/XXXX Equifaax and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: AP
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 Equifax Credit Report shows my account with XXXX XXXX being delinquent as recent as XX/XX/XXXX. I had a lease with the company from estimated XX/XX/XXXX timeframe until XX/XX/XXXX when I received orders to deploy overseas. It was a lease vehicle and I turned the vehicle back in. In XXXX/XXXX timeframe, I noticed that my credit score had gone down dramatically. I called XXXX XXXX and they told me that it was a mistake on their end. They received the vehicle and I no longer owed anything on it. The fix could take up to 45 days to be visible on my credit report. I called back again in the XX/XX/XXXX timeframe. We are now in XX/XX/XXXX and the delinquency is still on my credit report. I want it fixed and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: GMA Investments, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previously filed a complaint with CFPB on XX/XX/XXXX. Summit Receivables agreed to mail me documents showing what they are trying to collect and to place a " cease and desist '' on my work number. As of XX/XX/XXXX no information has been received and the phone calls at work have resumed. They are calling relatives saying I used them as a reference ( I did not ), they called different extensions at work saying they are returning my call. I work for a XXXX ( this is definitely a big no no ), and they call my personal work number at least once a day. Here is a list of times they have called to my work number alone : XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX and XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-15
Company: Bayside Capital Services, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was contacted by this company after entering a payment arrangement with a previous company ( XXXX XXXX XXXX ). I was unable to make a payment until a month later and they stated it would be considered a refusal to pay despite having made multiple payment arrangements. I was bullied into payments by that company who threatened to sue me and garnish wages via phone call. When Bayside Capital Services contacted me it threw up a red flag because they stated I owed more than the previous company after having made multiple payments. I contacted my bank to alert them of the practice and believing the debt was valid through themand after a very upsetting phone call entered a payment arrangement through this company. I still felt uneasy after these call and connected XXXX XXXX XXXX who was the original creditor. They stated XXXX XXXX was the collector on the account. I contacted them and while speaking with someone was hung up on twice and in the third attempt some with someone named XXXX who sounded exactly the same as XXXX from Bayside Capital Services. The guy was extremely rude and told me to hang up as if I was being rude in explaining my situation. I refused to give my social security number because I was told they could look it up by name. I was seeing to give the last four and they stated they never had the account. I contacted XXXX from Bayside Capital again because I was leary about the situation and he started they would tell me that they owned the chain of title which they did not. When they call me back it is on a restricted line. I contacted him this morning after doing additional research and learned the internet address they provide is invalid and their phone numbers do not match up. I explained the situation and he began to get nasty with me. He also misrepresented the company by stating they were XXXX accredited. I checked the site multiple times and it did not state they were accredited. He called me a liar when this was brought to his attention. I asked for a copy of the phone call and chain of title and he said that my payment arrangement letter was a copy of that information. But it did not have any information about the company the debt other than the payment arrangement which was to be collected by debit card. This also threw a red flag to me as the previous company requested a debit card for payment as well. When asked for a copy of the call he rushed me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Navient Solutions, LLC.
State: AL
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:
Navient is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, Navient has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; Navient is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from Convergent Outsourcing XXXX Inc. saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My complaint is against Transunion and XXXX. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.

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 2022-01-11
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has a collection on my account that I don't owe for the amount of XXXX. The salesperson committed fraud to get me signed up for an alarm system. I did not own the house and the owner of the property did not give me permission to put an alarm system in the house. The salesperson ran the owner name and my name and got me approved for a system. The salesperson would not give up and if you notice XXXX XXXX name is on the paper and he didnt give permission or signed any forms for the alarm system and it on that person credit as well. My credit was good enough and it was not my property to decide if an alarm can be placed so I don't owe the XXXX. Shady salesman.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: National Credit Adjusters, LLC
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:
Ive settle an account with national credit adjusters llc for the amount of {$1500.00} on XX/XX/2018. The original debt amount was {$3900.00}. Even though the account was settle they told me that they were going to delete the account from the credit bureau within 30 to 45 days. Ive called them several times for the account to show the right information but they refused to send the right information to the credit bureau and therefore this show a balance of {$2400.00} instead of a balance of {$0.00} since the account was settle for the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal.com Offsite not on XXXX. 
XX/XX/20 {$71.00} Seller XXXX XXXX Never received item and wrong usps track delivered number ... not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : XXXX XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/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