BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I XXXX XXXX a Consumer sent a debt validation request to Merchantile Adjustments Bureau, LLC, According to USC 1692g, They in returned responded, by mail on XXXX XXXX with a a copy of a Bill from XXXX XXXX with a total {$360.00} of which was credited due to being a consumer transaction with the original creditor everyone was credited. therefore, there is no need for Mercantile Adjustments Bureau, LLc to attempt to collect a debt, that is not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: AR
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 been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. Experian has placed an closed XXXX bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau XXXX Experian and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX and Experian is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.

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 2016-11-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had an American express sevre card.i have been recievng my paycheck on it then one day I get up and check my account and someone had went on a little spree with my money so i called american express and report what happened.tbe lady on the phone said that they had to look in to it and I should have my money 2ith in ten days.the next day they sent me an email the said I lost.so I called and the person was really rude and said we closed your account and that they would Mail me a check for the remaining amount and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. 
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/21 I attempted to transfer points from my Amex rewards account to my XXXX XXXX account and was told my account was frozen. I called and was told there was 3rd party fraud suspicion. I had logged onto my Amex account on my phone requesting the transfer. Amex told me I would have to wait at least 7 days for a review. I was trying to purchase award seats on XXXX XXXX that had just opened up and I will lose the opportunity if my points are not released by Amex immediately. No one at Amex I spoke with could find any evidence of fraud to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Midland funding has been harassing me for years on a debt that they keep chasing me about in the amount of almost XXXX dollars. I thought I had owed some money through a pay pal account that I had but never in that amount at all. I have had to change jobs because they have contacted my employer and HR department embarrassing me at the work place. They kept harassing me and had a marshal serve papers to my employer and garnish wages of 10 % of my earnings. I live check to check and can not afford to keep going through this. It ' is a shame that they would Bullie me in to paying such a debt that in that amount that I do not owe! They keep harassing me for years. I do not owe that much money also including the amounts they have taken from me in this amount of time. The amount never seems to go down and they are ruining my credit score tremendously. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to this company on XX/XX/2021 and asked this company to please verify this debt because I had no knowledge of this negative account reporting on my credit profile. Its XX/XX/2021 and this company still has not responded to my dispute and they are still reporting this information on my XXXX  credit report even though it has been removed from my other credit reports. XXXX and 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 2016-06-08
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Issue: Rewards

Complaint:
I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card with American Express ( card no. XXXX ) went delinquent due to income drop and recent ( XXXX ) unemployment. Nonetheless the account was paid up-to-date, as of the last billing or at least I thought. Thought sometimes late payments were made according to the billing received ( last paid XX/XX/XXXX ) and according to the billing the account is not overdue. In retrospect while I am being billed the account was placed with a collection agency XXXX XXXX XXXX. I wrote them XXXX XXXX, offering a payment arrangement and requesting a lowering of the interest rate that American Expressed increased to 27 %. 
That went nowhere, while at the same time I paid American Express according to their billing. Then I received notice from a XXXX firm ( XXXX XXXX XXXX, XXXX. ) XX/XX/XXXX. They were requesting that I contact them to discuss repayment of the debt that I am paying to American Express. I called American Express and got a recording to call the attorney 's office. I called the Attorney 's office on XX/XX/XXXX between the hours of XXXX Est. and XXXX Est. and was transferred countless times, and left on hold for over XXXX minutes. I called them again today XX/XX/XXXX between XXXX and XXXX. I was transferred at least XXXX times and again left holding the phone for over 10 minutes. At this point, American Express is billing me but not taking my calls, calls to the attorneys office are an exercise in futility, and I am concerned about an attorney suing me, while American express is billing me and I am making an attempt to repay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX / midland credit management is reporting as a collection item. I have no idea what this is for. I do not owe midland or XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt. XXXX responded on XX/XX/2016 and XXXX on XX/XX/2016 advising that I contact the creditor as the debt has been verified. I sent a request to XXXX requesting validation of the debt twice I have certified mail confirmation that they received it on XX/XX/2016 and a second request XX/XX/2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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 am writing to dispute a fraudulent charge on my account of {$3000.00}, {$3100.00}, {$540.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$540.00} -This is not my account. 










I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.

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