BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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/2023 I noticed a pending charge on my Amex credit card for the amount of {$60.00}. I disputed this charge with American Express as it posted several days later. American Express eventually closed the dispute without resolution. They said the card was used in person with no other details given. The charge was processed through a payment processing company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. 
I re-opened the dispute and have waited another 2 months for a resolution. The last 2 times I called Amex I was on the phone an hour each time, but the reps eventually hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt placed on my credit report but is not mine. Have never received any communication about debt and when I called collection company they could not locate information and stated they could not help me and hung up. Filed dispute with XXXX and there findings say it is viable so I asked how could they call it viable when I could not get any info about the debt. 
This item had been placed on my credit before by another collection company and later removed when I notified them it was not my debt. The company that placed the account for collection is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX. They were trying to collect for an address in XXXX IA and had a collection company called XXXX XXXX who also placed it on my credit report. I ultimately disputed the item since it did not belong to me. I have resided at the same address in IL for the past 17 years and never lived in IA. I sent a fraud report to XXXX and they removed the item from my report and informed XXXX XXXX. I thought this was the end of the issue until it showed up on my report placed by I.C. System Inc XXXX who I contacted and would not help me because I do not live in XXXX IL and they hung up on me. I have disputed this item twice thru XXXXand there reply is it is a viable debt. I cant understand this decision since I can't get info from the collection company what type of info did they get. Other than this showing up on my credit report and dropping my rating by 70 pts and causing my Credit Card Companys to drop my credit line and making it impossible to get loans I have not received any bills or notices of collection from XXXX or IC Systems. 
I had my wallet stolen several years back and have a police report to verify the instance. All my IDs were in it along with my SS card. XXXX has been of no help and they do not provide a thorough investigation and XXXX and IC systems refuse to listen or provide info but were quick to place on my credit report. If XXXX would require proper IDs when establishing services this situation would not occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent many dispute letters to XXXX and Experian in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

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 2023-05-14
Company: Army and Air Force Exchange Service
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:
Please see My attached With Prejudice as a XXXX for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

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 2018-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reporting a Regulation X dual tracking violation. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
The mortgage is represented by XXXX XXXX XXXX ; the account # XXXX and managed by Select Portfolio Servicing ( SPS ). A loan modification was initiated in XX/XX/XXXX. 

SPS took so long with Loan Modification that instead it was decided that the property be sold. In XX/XX/XXXX I listed the property for sale and after several contracts my realtor was able to find an all cash buyer. 

SPS ordered the 1st appraisal they have been holding up the file for so long that SPS had to obtain another appraisal. I learned that the property diminished over {$200000.00} while SPS was " reviewing my file. 

Meantime while I am working on selling the property for close to the appraised value SPS files for foreclosure with the house to be sold a Sheriff Sale XX/XX/XXXX. 

I have an all cash buyer and every document requested has been submitted by me and my Realtor. 

Selling the property is important to me and my family as the Short Sale will have less of an impact. 

Since XX/XX/XXXX SPS has had all documents requested. For the month of XX/XX/XXXX they had my Realtor change things back and forth on the HUD-1 then only to have her change things back to the way it was prepared XX/XX/XXXX! It is Now XX/XX/XXXX and they are still creating what I feel is a false delay using changes to the HUD-1 to hold up the Approval so the property can be sold instead of lost to Foreclosure Sheriff Sale in XX/XX/XXXX. 

SPS should not be moving to Sheriff Sale while we are working on the Short Sale closing date. I wrote to the State of NJ Foreclosure division but was told there was nothing that could be done. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX I paid off my vehicle with Hyundai Motor Finance. I called the company to inquire the process for the receiving my title. I was to that the lien release would be processed in 10 and to call back on XX/XX/XXXX to verify it had been processed. I was also told that Florida was an electronic state and they would receive the lien release and title. 

On XX/XX/XXXX I returned the call to Hyundai and was told the lien release had been processed and I also requested that a copy be mailed to me. 

On XX/XX/XXXX, I called the DMV in Florida to verify that they had received the release and to find out what I needed to do to secure my title. I was told by the representative that the system showed that my title had been sent electronically to Georgia per the lien holder. I immediately hung up and called DMV in Georgia. I told that Florida had advised me that the title was sent to them electronically from the lien holder, Georgia advised me that they are not an electronic state and that upon reviewing my file with I needed this corrected immediately as I was moving from Florida in approximately 2 weeks and did not have 30 days to process a lost title per DMV in Florida. After going round and round with Hyundai and not being able to speak to the title department directly a manager basically said the same thing with no resolution to correcting their mistake of sending the title to an address that was not correct, I finally contacted Florida again to see what could be done as I was leaving Florida in 2 weeks. The representative said the title had been mailed and I could do one of two things, ( 1 ) I could wait and file a lost title or could come have them print another copy. I went to DMV on XX/XX/XXXX to get a printed copy and was told the cost was {$85.00} ; given my relocating and not being able to come back to Florida in 30 days I paid to have the my titled printed. 

When I got home I called Hyundai back again advised them of what I had to do to repair their mistake, as always they verified the they sent the title to the wrong address and that the had to send an email to the title department. I advised them I needed to speak to someone who could issue a refund of my {$85.00} to cover their mistake with my title, I was placed on hold for approximately 5 minutes, The rep came back and said based on your payment history, I immediately stopped her told this had nothing to do with a payment history and that I wanted a refund for having to pay for their mistake she states that they would not refund me the {$85.00} and hung up.

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 2020-07-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My mother purchased a vehicle in XXXX and I was the co-signer. My mother is deceased in XXXX and took up payments. 

Ally Financial is reporting incorrect dates of the account Ally reported the account opened XXXX. 
The account opened in XXXX. 

The account is in my mother 's name and needs to be removed.

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2020-03-11
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cellphone bill that was paid upon switching companies. They say I owe {$310.00} to XXXX. This debt is with a collection company that keeps updating to newer dates. I haven't had that service since 2014. I have no know knowledge of the collection company called I C System.

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 2018-09-28
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX, this is concerning my private student loans with Navient corporation. 

The amount on the original loan is {$5400.00}. They are saying that i owe a very high amount, which keeps changing, first it's, {$35000.00}, then {$70000.00}. I'm getting harassing phone calls and people coming to my house and threatening me. The amount and the harassment is causing me high stress and mental distress. I'm going to have file a lawsuit if this complaint isn't resolved through CFPB. I would really appreciate CFPB 's help on this matter. I did the math on the original loan at an effective rate of 5.13 % in 12 years compounded monthly only comes out to {$10000.00}. I feel there is a bit of corruption on their part. I believe students are being taken advantage of by Navient and any other big student loan corporations. I believe Navient is taking advantage of students, like me, who have no idea what compounded interest is. They are billing me on new balances without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
Initially on XX/XX/XXXX and then again on XX/XX/XXXX, I disputed the total balance due on my Experian credit report on an automotive loan from XXXX XXXX XXXX. The loan was paid off and satisfied as of XX/XX/XXXX. Both disputes to Experian came back with no changed information and the balance of {$5800.00} still due. I've tried twice and now frustrated that this has not been rectified, despite my urging them to look into the matter twice. Please help.

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 2022-07-16
Company: EQUIFAX, INC.
State: SC
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:
I am a user of XXXX  XXXX. I reached out to XXXX XXXX  to inform XXXX XXXX that Equifax and XXXX are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from XXXX and Equifax. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXX XXXX. Based on the time frame, XXXX XXXX  should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as equifax and XXXX XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Netspend Corporation
State: IL
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:
Money was used off my card after I was denied for the dispute

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 2022-03-21
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There was an unauthorized charge to my PayPal account from another state by XXXX. I called XXXX immediately and reported it and I also reported it to PayPal. They said I made the charges which I clearly didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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 customer service

Complaint:
Reference earlier complaint # XXXX. 

On XX/XX/2020, at approximately XXXXXXXX CT, I received a phone call from a Restricted number with a Rep. named XXXX on the phone from Amex. She offered to immediately transfer me to an American based supervisor. 

A unnamed " supervisor '' from N. or S. Carolina responded. At this point she attempted to ascertain the problem. I advised of my earlier interaction with the mobile app and customer service. I also advised her of the CFPB complaint. 

She then proceeded to blame me choosing the wrong card. I advised the app did not provide the option nor was I ever asked. She then asked me what date I did the Credit Limit increase. I informed her that was the point of me contacting Amex was to find that out ... .. 

During the next ~13mins of the call, I was blamed multiple times for not asking the right question or giving certain specifics. I advised I dont work for Amex and therefor I dont know what they require unless they ask. Amex never asked any clarifying questions.This occurred several times during the call. 

At this point, I feel the purpose of the call was simply to harass and belittle me. I then requested the date of the Credit Limit increase in writing. The request was declined. 

I advised I would file another CFPB complaint and the Supervisor then tried to tell me how CFPB was going to respond. I simply said she can not speak on behalf of CFPB and she ignored my statement.

Company response to consumer: Closed with explanation