BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I faxed American Express XXXX Team, an Government ID, a receipt with temporary card serial number, and my current address. Each time I call customer service they have an excuse as to why they can not process the replacement card for my lost card that has {$100.00} balance. The CSR always tells me the ID is wrong type, or the ID is not clear or the ID is dark. And they also said my address is not acceptable. 
I have repeatedly sent fax after fax with a different government ID each time. I have faxed a State college ID, and 2 Veterans ID Cards, all with pictures and personal information. 
I sent a fax onXX/XX/XXXX, and one on XX/XX/XXXX. 
In my opinion they are practicing fraud. In my opinion they are stealing personal information. 
They want all of my private information and do not give me the money that was refunded back to the card from XXXX XXXX XXXX, in XX/XX/XXXX. I demand the money be returned to me immediately. 
I have called over and over to try to get my money sent to me. 
I have paid for fax services FIVE TIMES. 
I have faxed XXXX XXXX at FAX : XXXX and have not received any response from the XXXX. 
I am paying for faxing and each time the incompetent XXXX gives me another excuse. 
I have told them I do not have any utilities in my name. I gave them my address from a shipping label that is from a package shipped to me. 
I am a XXXX veteran and I do not feel this company cares one bit about the customer and has extremely poor service. 
I do not have a permanent home. I want the cash money wired to me or mailed to my P.O. Box.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( XXXX ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received an email today, XXXX, requesting a copy of statement from account on file with XXXX, this was requested in order to send a check for remaining balance of XXXX. I have attached the statement here, the email was deleted by mistake. I request a check for funds owed in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX, my husband and I opted to take out a {$30000.00} Tuition Answer Loan through Navient. I ( XXXX XXXX ) was the primary and my husband ( XXXX XXXX ) was a cosigner on the note. When we took out the loan, we were on the verge of losing our house due to me only being able to work part time while I was attending XXXX school. We have XXXX children and felt that we had not choice but to take out the personal loan but looking back, we didnt realize exactly how bad the 10.75 % interest rate was going to hurt our family. Shortly after graduating with my XXXX XXXX, the total amount due on the loan was over {$60000.00} and my husband and I filed Chapter XXXX bankruptcy. We were told that we could not file bankruptcy against the loan by our attorney. Since XX/XX/XXXX, then my husband and I have been making regular payments of {$470.00} a month on the loan but since the interest rate is so high, we only have the loan paid down to {$37000.00}. I have no problem repaying my debts but I feel that the interest that we have been paying is predatory lending and I am disappointed that our federal government has n't taken control of the problem and helped us get a lower interest rate and given us additional credit towards the principal amount. We are the typical middle class family with two incomes and now our two of our daughters are teenagers who will be starting college next year. We have also not been able to save money for their college education due the the costs of my education. Perhaps what may be even more scary, is the fact that one day my own daughter may be prey to the same predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Stuart-Lippman and Associates, Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our XXXX year old son hit a car in a neighborhood on XX/XX/XXXX. The woman whose car we hit went through her insurance and a collection agency for the damages, which we took responsibility for. In XXXX of XXXX, my husband received a call from XXXX  XXXX of Stuart Lippman and Associates requesting the amount of {$5800.00} to cover damages. At this time we had no bill to go over charged with him. He informed my husband that something came in the mail ( it had not ) and he would also email it ( also did not ). He demanded a down payment of nearly XXXX upfront and XXXX a month, which we responded was not possible. We ceased communication at that point as we attempted to go through home owners, which denied us XX/XX/XXXX4. Again, we have received 3 communications from Mr. XXXX. 1 on XX/XX/XXXX when he gave the figure XXXX to my husband who wrote it in his book. 2 When I spoke with Mr. XXXX on XX/XX/XXXX regarding an invoice he sent at XXXX with the amount owed as {$5800.00}. 3. On XX/XX/XXXX at XXXX an invoice for the amount {$5800.00}. During occasion 2, Mr XXXX and I were going over the invoice as he showed me what added up to the amount owed. About 20 minutes into the conversation Mr. XXXX stated XXXX had every right to demand XXXX from us. I stopped him there and asked was he mistaken with that figure. He stated no, that was the amount owed. I asked him where in the document I could find this and he told me to hold, coming back a moment later asking me where specifically I was looking and then to just go ahead and throw that one out. Mr. XXXX then continued to speak of payment of this larger figure, to which I said I would not continue or agree to anything without a correct bill. He intimidated me saying he had calls on hold and he needed to say his piece, which I didnt allow. We ended the conversation. At XXXX that same day I received an email with a note in the body stating please see correct documents requested. Satisfied that his response was quick and I could see a breakdown for the total of {$6400.00} only to find the same invoice that was previously sent for {$5800.00}. I have sent two emails since requesting the information I am owed before my first payment of {$1000.00} is due XX/XX/XXXX. We have received no response. I do not feel comfortable sending in payments for a claim I have received ever changing figures for. I should have had those invoices in hand before Mr. XXXX initially called my husband threatening to revoke his license. It is an extreme amount to pay with no assurances how much is due and if that amount will change again. It feels like that are pocketing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, my mobile number was deleted from my Chase account. My account was closed and no one told me why. Then, I received a paper bank statement saying that the rest of the money in my checking account will be sent as a check to my mail address. The check charge is {$2600.00}. I called Chase and they said the check will be sent out in two weeks. I waited but I never received the check. Then Chase told me there was an investigation going on in my account without any further details. It has been almost 6 months and my money just seems indefinitely froze by Chase Bank. I called them multiple times they just said the funds are not approved to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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:
Please delete the account which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX  XXXX ( Original Creditor : 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 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Funding, aka XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Funding LLC and Midland Credit Management has done Hard Inquiries on all Credit Bureaus, i.e. XXXX XXXX XXXX and XXXX every year since 2008. I was informed by XXXX that all of my information while I was in the hospital had been hacked and stolen. Identity theft.. I then started reviewing my credit reports. I found out that every year since then Midland using different a.k.a has been monitoring accounts from banks that have I've disputed with the credit bureaus regarding these charge accounts that were closed, written off as a lost, reported to the IRS for tax credit, Midland then buys these dead account, charging triple what the reported amount, charging legal fees, assuming these debts as their own, making motions of DEFAULT REQUEST, AFFIDAVIT ENTRY, AND JUDGEMENT ( SUMCERTAIN ) in State  of Michigan XXXX XXXX XXXX XXXX XXXX that is not my District. MIDLAND CREDIT MGMY, XXXX XXXX XXXX, XXXX XXXX, CA ( No phone number listed ), MIDLAND FUNDING LLC is ( listed as a Loan Agency for Homes ) c/o Attorney XXXX, XXXX XXXX XXXX XXXX., LPA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX has been garnishing my Homestead Taxes Refund for two years. I spoke with XXXX because Midland put a negative report on my Credit File never stating that they stole my Senior Citizen Homestead Tax return that is meant for low income XXXX senior citizen to assist in paying their property taxes. I was placed in a homeless position because of MIDLAND XXXX. I XXXX  a report about this company that preys on senior citizens, XXXX and below Federal income standard. Midland stole from me a total of {$640.00} and falsified court document case numbers.They never reported the debt was paid off or that the report was under litigations.I Disputed that this be deleted from my file. I have been denied credit because of MIDLAND XXXX   They took {$110.00} of my Homestead Tax Refund this year. Please monitor these Hard Inquiries that lower my Credit Score and have no authorization to inquire. I had no business association with MIDLAND XXXX.Refund my refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I escaped from an abusive marriage last year and moved to Washington state. I have lived here for two years now with my family which is why i was shocked to receive a bill from the apartment that i shared with my ex husband when he moved out. Now the whole reason i left XXXX XXXX was due to the police knocking on the door ( when i lived in XXXX XXXX ) if my apartment saying i was unlawfully trespassing by being inside the apartment with my brand new newborn baby because i was not on the lease. I had been removed prior because of the XXXX XXXX. I have contacted the collection company many times they have said they would remove it if proof was mailed. I faxed over proof and they did nothing. I have contacted the orgianl creditor. They stated they no longer own that property and have no records which i know cant be true and even if so i have proof a letter from the current leasing staff saying i was being removed over a year ago. Not only do i need this gone but Id love to have peace of mind knowing this wont happen again

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 2018-06-06
Company: Compass Recovery Group, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They CRG ( Compass Recovery Group ) referred them as a lawyer not collection agency. I have not received notice of due charges. It has been 3 1/2 years and out of the blue a phone call was made claiming I owed XXXX XXXX {$3400.00}. They said I had made all previous payment on time and they did not understand why this problem occurred. They XXXX ( XXXX XXXX ) closed the account and sold it to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) who are not debt collectors. XXXX XXXX XXXX hire debt collectors to handle the case. Now I receive calls pressing to pay this item ( {$3400.00} ) and wanting me to pay and have the matter closed. I have payoff many accounts when illnesses where detected, but never received a letter from XXXX or they would have been paid off long ago. Also is legal for them to try work this out with my wife and I was not a party of. 
I am a XXXX year old XXXX XXXX vet suffering from XXXX XXXX, XXXX, XXXX XXXX which required XXXX to XXXX, and XXXX XXXX XXXX. This is very stressful which leads to any therapy to not work as well as it should. I feel this a deceptive means of handling this matter. I request a message regarding these matters be sent through US Mail to : XXXX XXXX XXXX. XXXX, PA XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Back in XXXX, I opted out of this company being allowed to charge more interest on already purchased items, therefore, the company closed my account and nothing has ever been charged on it since ... the interest was XXXX. Today, I receive my bill and they jacked it up, yet again, now its up to XXXX. This is unacceptable. I agreed to never charge again on this account and they agreed to never increase the interest rate. The XXXX lady was of no assistance. I want my over pay for the past couple of months credited back to my account and a FREEZE placed on this account like there should have been 10yrs. ago.

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 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Portfolio Recovery XXXX. The Account Opened is The XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. The Account Opened is Portfolio Recovery XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account online with Wells Fargo. I used my prepaid XXXX to fund the account with {$25.00}. Then on XX/XX/XXXX a young lady named XXXX XXXX contacted me about opening a savings account. I agreed and gave my XXXX info again to take {$300.00} and opened the savings. On XX/XX/XXXX another {$300.00} was pending as if she ran the transaction twice. I went into the branch on XX/XX/XXXX and was told that because they didn't SEE the pending charge i would need to contact XXXX. The banker also GUARANTEED me that my account was funded and in good standing and the {$300.00} was available to use. I did contact XXXX and was told that if Wells Fargo didnt deduct the funds it would be released in 11 days which i believe was the XXXX of XXXX. Now on XX/XX/XXXX another {$300.00} came out of the Wells Fargo savings account. I contacted the bank 8 times ; XX/XX/XXXX, XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX and twice on XX/XX/XXXX. Each time i was transferred and given a case number. If they listen to the calls there was a guy on XX/XX/XXXX or XX/XX/XXXX that said someone from the BANK initiated the " {$300.00} dispute '' on my behalf. I told the guy i never made a dispute so he made a dispute for the dispute they claim i made. I was then told on XX/XX/XXXX that it was in fact XXXX who made this {$300.00} dispute. I called XXXX and confirmed it was NOT them and told Wells Fargo I can provide proof or to CONTACT XXXX on a conference call and id verify. They instead refused and sent me a letter saying call XXXX which i already did and had them email bank statements to prove it was and is not them taking the money.

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 2021-03-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is no access to the loan servicing company 's website. It will not load on any of my devices. Others are having the same problem as noted on many message boards. I am not able to determine my loan balance or verify the proper application of my loan payments. 

The company recently took over the loan servicing of my loan from 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