BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
American Express is calling me several times a day and has been doing so for more than a month. They have called my boyfriend 's phone, my parent 's home phone, and my work phone, despite the fact that I never provided my work or parent 's phone numbers to American Express. 

I have made it very clear to the collection agent, who is named XXXX, that I can not take personal calls during my business hours, which are from XXXX until XXXX Monday - Friday CST. I have also made it clear that I am unable to pay the sum he is demanding and I have requested a hardship payment arrangement, which I know is available through American Express. 

XXXX has repeatedly ignored my requests to cease calls and he said that he will continue to call because his shift ends at XXXX his time and he is not available to " harass '' me at any other times. He continues to ask me personal questions and frequently launches into long stories about how understanding and willing to help he is, but he never gets to the point of actually helping me start the hardship program process. 

I suspect that these debt collectors in the American Express " Advanced Collections Department '' are paid a bonus based on how much money money they can get out of me, and XXXX seems determined to maximize his bonus at my - the consumer 's - expense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have had a title loan with TitleMax for XXXX over a limited time period, I continue to try and catch up making payments but everyday they add XXXX to XXXX $ fees not allowing me to even get caught up.How can I possibly get caught up when Im being charged late fees so my bill went from around XXXX $ to XXXX XXXX 
My name is XXXX XXXX XXXX ss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2020-07-27
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son has a medical card and the hospital billed the insurance improperly and then turned me over the collection agency. I have spoken to them and the collection agency and keep getting the phone calls. I contacted his medical cars insurance XXXX XXXX  XXXX   XXXX  and he was covered for the service dates. He was transported to XXXX XXXX and they were able to properly bill so Im not sure why XXXX XXXX Hospital couldnt. His dates of service were XX/XX/XXXX and XX/XX/XXXX. His coverage through XXXX was good from XX/XX/XXXX to XX/XX/XXXX. I contacted them in XX/XX/XXXX after receiving a notice I was turned over to collections. I have contacted the collection agency as well and it doesnt seem to be getting anywhere. It has been reported to my credit and I am very upset as it was XXXX XXXX that made the mistake.

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 2020-10-14
Company: CITIBANK, N.A.
State: CA
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've made a payment of {$1000.00} to my Citi AAdvantage credit card (  ending in XXXX ) on XX/XX/2020. Due to COVID-19, I've been forced to withdraw my XXXX and pay for my credit cards as my family income has been reduced. I've paid down about 11 credit accounts on the XXXX and XXXX of XXXX, however, this is the only account has not cleared the payment. All other creditors have cleared my payment so far with a couple clearing them 2-3 days after. Once I interacted with the Citi employee via in-app messaging, they relayed to me that my payment would not get cleared until the XXXX of XXXX. 2 weeks to clear a payment is not fair practice based on how all other creditors have treated me. In my opinion, this should be resolved between the creditor and client without the involvement of OCC or other entities as it abuses the client 's time and extends undue hardship to the client.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a previous CFPB complaint ( XXXX ) describing both a potential FDCPA violation and a realized FDCPA violation. Rent Recovery Solution 's response to this complaint only addressed the lesser, potential violation. I am repeating the complaint to get a response to the actual FDCPA violation which occurred on XXXX XXXX, XXXX. 

I received initial communication from Rent Recovery Solutions in the form a letter dated XXXX XXXX, XXXX XXXX no postmark present ). This letter did not include verification of the debt. On XXXX XXXX, XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XXXX XXXX, XXXX. I was called by Rent Recovery Solutions on XXXX XXXX, XXXX. I did not receive a verification letter until XXXX XXXX, XXXX. The verification letter is dated XXXX XXXX, XXXX and postmarked XXXX XXXX, XXXX. Because Rent Recovery Solutions knew the debt was in dispute and had not even sent verification, the phone call on XXXX XXXX, XXXX was in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} not mine XXXX XXXX XXXX XXXX {$760.00} not mine XXXX XXXX XXXX XXXX {$400.00} not mine XXXX not mine

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 2018-05-01
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from XXXX or Experian, despite writing 2 follow-up letters.

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 2018-07-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear XXXX, Experian, XXXX RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX  7. XXXX 8. XXXX 9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2018-05-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Loan # XXXX Lakeview Loan Servicing XX/XX/XXXX I submitted a request to have my Escrow property tax payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. The adjustment would affect my property taxes by approximately $ 400- {$500.00} per year. If the servicer has a concern about the documents I presented, they can check the Property Appraiser 's Website. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I would also like to know if I can receive interest on my money that is being held in their escrow accounts. I do not wish to speculate but this might be the reason why they are trying to force me to put more money into my escrow account than is necessary.

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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-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 2021-05-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I Feel this account is causing me thousands of dollars in interest every year. I have tried to fix the issue with the XXXX XXXX XXXX, with the actual company and XXXX, XXXX and XXXX as well. I have yet to receive any confirmation that my account has been removed from my credit report so I chose to cease and desist, affidavit and certified mailed and green return post to confirm that my mail has been received. This is my final attempt to seek remedy of my consumer violations under the Fair Credit Reporting Act 15 USC 1681 and as well as the Fair Debt Collection Practice Act 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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 information incorrect

Complaint:
I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX ACCOUNT # XXXX.The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status. 
In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score. 
I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix this.

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: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Relationship started in XX/XX/XXXX when I was offered a " teaser rate '' of 0 % until XX/XX/XXXX as their " teaser term ''. I transferred {$5300.00} plus a transfer fee of {$150.00}, In XX/XX/XXXX, my statement was never received but despite that I continued to pay at least {$300.00} far beyond the minimum required payment as I was intending to payoff entire amount by XX/XX/XXXX. Since then monthly statements came as well but never on time and exceptionally worst in XX/XX/XXXX. They then started to charge fees and adjusted the interest rate to 28.99 % which I was constantly calling to correct. Frankly, this account has been so poorly handled by this company. As a matter of fact, in XX/XX/XXXX, I was sent an incorrect statement with incorrect balances not intended for me. 
After all this wrangling, going back and forth and wasting my time, I decided to close my account after paying in full principal amount of {$2900.00}, plus some fee for {$82.00} To date, this company continues to charge me fees and counting. As of XX/XX/XXXX, they reported {$250.00}. They always claimed non-receipt of timely payments. With all this pandemic and inefficient mailing system, it is certainly not my fault!! I am also attaching several letters I sent to them

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 2018-05-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I received notification that my COINBASE password was trying to be changed. This was an unauthorized action. I immediately called COINBASE support who 1 ) validated the correct amount of funds were present, 2 ) the LOCKED MY ACCOUNT pending an Investigation. A few days later COINBASE sent me a list of questions verifying the dates and amounts of all my transactions which I sent back to them. I called a few days later to get an update as to the status of my LOCKED account and was told COINBASE has the right to lock my account for 45 days to conduct an analysis of my situation. I checked the user agreement AND NO SUCH RIGHT EXISTS OR WAS AGREED TO!!! I have tried calling COINBASE customer support to 1 ) get them to UNLOCK my account 2 ) acquire information on the status of the inquiry .... customer help is USELESS and they remain in control of my funds ( earning interest NO DOUBT ) under the FALSE and DECEPTIVE right they may LOCK my account for 45 days. I have threatened legal action ( true ... ) and written DIRECTLY to the CEO. I have received NO RESPONSE and my account remains LOCKED. I find this degree of deception and thievery unconscionable. COINBASE should be closed by the authorities at once! I want my funds and want to close my account ASAP. My case # XXXX

Company response to consumer: Closed with explanation