BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: AMERICAN EXPRESS COMPANY
State: GA
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 XX/XX/21 I was billed for my wife 's XXXX XXXX. My Platinum AmExp card has a benefit to pay the {$100.00} for this service. When I received my statement I noticed the charge on my bill. I called American Express on XX/XX/21 and XXXX, who was very nice, confirmed my account would be credited back the {$100.00}. I paid the {$100.00} and bill in full, as always and on time because of our agreement. On XX/XX/21 I made a series of calls about this charge that remained on my bill and questions about the {$550.00} fee and continuing the account. I spoke with XXXX, XXXX, XXXX ( XXXX ), XXXX, Ms XXXX, and XXXX. The calls tallied just under 2 hours. After these lengthy conversations, XXXX, the Supervisor at the Retention/Loyalty Department said that I would be offered {$150.00} to offset the {$550.00} fee but I would have to go back to AmExp Customer Service to rectify my valid complaint about the {$100.00} dispute that was previously resolved. When he transferred me back to XXXX, I was disconnected. Please have the bosses review the recording with XXXX, etc. XX/XX/21 XXXX that lasted XXXX. Ms XXXX, XXXX XXXX said no to resolving the {$100.00} credit and then told me the {$150.00} Loyalty credit had been taken away. Later it was put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: MN
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'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.

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 2018-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As I understand it in XX/XX/XXXX, I was dropped from doing business with Bank of America, I have been reported by them to XXXX  and XXXX XXXX XXXX Bank of America has prevented me from opening any account due to this action, I received NO DOCUMENTATION from Bank of America. 

I have been attending to my XXXX Year Old Mother who passed away in XX/XX/XXXX I have not been involved in banking matters with Bank of America

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 monetary relief
Consumer complaint received 2018-07-05
Company: Ameritech Financial
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ameritech Financial collected thousands of dollars from me and said my student loan was paid. 

I have just learned that their organization is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL, for committing identity theft. I have never given HYUNDAI CAPITAL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with HYUNDAI CAPITAL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL any right to collect on this alleged debt. 
I have never received any documentation requesting validation from HYUNDAI CAPITAL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2016-04-22
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.

Company response to consumer: Closed
Consumer complaint received 2020-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is reporting a balance of {$430.00} on my credit report. I sent them a letter asking for the signed credit application from the original creditor. Instead they sent me a copy of letter from the credit card company that says they sold the account to them. And that letter has an address from XXXX XXXX XXXX that is not my address and I never lived there. 

That's it. No contract, no signed credit application and an address I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Filed a complaint regarding XXXX and their refusal to honor mandates. Received a closure regarding the accounts and that the are closed. XXXX and Trans Union repeatedly reports on my credit report the accounts are missed payments. After receipt of the complaint results. Both are refusing to resolve the matter.

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 2018-05-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.

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 2020-05-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland funding is by far the worst debt collection company I ever dealt with. 
They are rude nasty liars. 
they are trying to collect a debt that they can not prove that I owe. 
They harass me, called me out of my name and threatened to sue me, even pretended to be lawyers. 


The so call debt that they are lying stating I owe are as listed : XXXX XXXX  for {$640.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX they have no proof that I open these accounts. no ID to show proof that I opened these accounts. 
I did not open these said accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 our FHA loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management. XX/XX/2018 I attempted to pay my loan online through a one time payment in the amount of {$1400.00}. It had still not come out of the account and on XX/XX/2018, it was shown to be returned. But, it NEVER came out of my bank account. I called them and tried to rectify and pay this on XX/XX/2018. AGAIN, it showed to be paid on XX/XX/2018,  but never came out of my account. I was finally able to get it paid after talking to them on the phone on XX/XX/2018, even though it was shown to still be paid online at the time. It had not come out of my bank account and I was worried. On XX/XX/2018, it was returned from the payment done XX/XX/2018. This was a payment that never came out of my bank account.

I have set up automatic payment during the month of XX/XX/XXXX and I verified with customer service online that I had it set up correctly. A letter dated XX/XX/2018, was mailed stating that per my request my automatic withdrawal is to be cancelled. I did not ask for this. There is no record of this.

I sent the payment through XXXX XXXX   online with their bill Payee system upon returning from a trip on XX/XX/2018, once I realized my automatic withdrawal had not come through. It went through immediately.

Rushmore Loan Management is making it impossible to keep my on time payment record and is fraudulent in how they are operating my account. They cancelled my automatic payment. And they are not helping to ensure I can pay this. On XX/XX/2018, a letter was mailed asking for a revised fire insurance policy. I have not changed my policy since the loan transfer to Rushmore in XX/XX/2018. They are requiring insurance above what is necessary for my area. My policy is through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Chase and XXXX will not provide my full payment history even after requesting and filing at complaint with the loan servicer XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Weekly calls to my number for someone else. When asked " Can you stop calling me? '' the answer is " I didn't call you, we have a diah-ler '' and then they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX took a refund from my checking accnt instead of my XXXX account and caused me to overdraft and Capital One said to me they only allow 1 OD waiver every YEAR. 

I have been with the bank for years, and one waiver a year, really? Especially if it's not your fault! I have taken countless OD fees, that were my mistake! 

The OD was on XX/XX/18 for {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I instructed XXXX. XXXX  to pay LoanCare {$920.00} on XXXX XX/XX/2020 to be received on XXXX XX/XX/2020. My payment cleared my XXXX. XXXX  checking account on XXXX XX/XX/2020. LoanCare failed to credit my account. I requested that XXXX. XXXX  fax proof of payment to LoanCare via LoanCare Collections at XXXX. This was accomplished on XXXX XX/XX/2020.

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 2021-06-06
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2019-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
5/3 bank is repeatedly finding ways to overcharge its customers with excessive bank fees. 
On XX/XX/XXXX I had a positive balance of {$19.00}. We made several online movies purchases and went slightly over by - {$6.00}. The 5/3rd bank is overdraft charging my account in the amount of {$140.00}. " see the attached document ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
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:
On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX. 
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service. 
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear. 
I just want that they return my {$200.00} plus the fee they charged to the card for the service. 
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me. 
I know that money is somewhere and the payments were not applied to the new card nor my money return to me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Santander Consumer USA Holdings Inc.
State: NY
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 loan is included in the Santander Consumer sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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: Personal information incorrect

Complaint:
On XX/XX/18 I submitted a dispute per FCRA to correct incorrect information on my Experian Credit Report per FCRA Regulations Section 623 whereas they remove some of the incorrect names but not all. I am a XXXX, my son is a XXXX.I am living by my full name at birth including XXXX. I have submitted several request on XX/XX/18, XX/XX/18 ,XX/XX/18 and XX/XX/18 with negative results. I can't understand why they continue to list these names i've request to have deleted. Thank You

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