BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}

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 2015-08-07
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal Credit persistently calls my phone at least XXXX times per day, despite me telling them about talking while driving as I am an XXXX and are unreasonably calling and harassing me. After blocking their numbers so that I will not be disturbed or distracted, they use other numbers in order to harass me, even at night. I want this to STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a 12-month personal CD ( certificate of deposit ) for {$1000.00} with Bank of America , opened on XX/XX/2022. I opened this CD as a collateral for a business credit card. The business credit card has since been closed by me 3 months ago. The card was closed with XXXX balance. Since then, I've wanted to close the associated CD account as well, by prematurely withdrawing the money minus any penalties, as per the terms. Unfortunately, I haven't been able to close the CD despite repeated attempts. Whenever I call the CD department, I'm told there is a hold on the CD placed by the business credit department due to the ( now-closed ) credit card. I called the business credit department multiple times as well, and each time I was told they will remove the hold in 5-7 business days, and I should call the CD department to close the CD after that, which never happens since the next time I call the CD department, the hold remains. So, I've to go round in circles, without being able to close the CD. So far, I've spent some hours talking to both departments, and being on hold.

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 2015-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was XXXX in the begining of XXXX. My apartment was XXXX XXXX sometime in the middle of XXXX. My venmo debit card was stolen along with other things. I made a police report the day I was XXXX from XXXXl. I submitted the police report along with the papers showing I was in XXXX to venmo. I had nearly XXXX dollars in point of sales transactions and atm withdrawals all done while I was XXXX. There was no way I could make the purchaces.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: TRANSWORLD SYSTEMS INC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called a friend, my place of employment, my sister, my brother-in-law, my nephew and my home phone and my cell phone numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Collector : Common Wealth Finance XXXX ( XXXX ) XXXX Is attempting to list an old account as open and new. This same account has been disputed multiple times on my credit report and removed multiple times for inaccurate reporting on the age of the account with various other debt collection companies. As well as old enough to have fallen off without dispute. 
This company has failed to list any pertinent information about the original account. It has not listed the age of the account, it has not listed the date of original delinquency, and has not notified me of the debt. This company is getting away with reporting this account inaccurate and unfairly. This account is not new and it is not open. It is to old to be on my credit report. 
These people have the ability to hurt anyones financial future and should be made responsible for the inappropriate way that they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
bank moblie XXXX XXXX they saying im giveing them the wrong code to my account. i have called them and my school. and my school and bank mobie is not helping me.

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 2015-12-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX IS REPORTING AN AMOUNT ON ALL XXXX OF MY CREDIT REPORTS THAT DO NOT BELONG TO ME. THE AMOUNT THAT THEY ARE REPORTING IS FOR $XXXX. I HAVE CONTACTED THEM SEVERAL TIMES REGARDING THIS MATTER AND EACH TIME THEY CLAIM THEY ARE WORKING ON IT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT. THE LAST DATE I SPOKE WITH THEM WAS XX/XX/2015, WHILE I WAS MEETING WITH MY FINANCIAL COUNSELOR. AGAIN, THEY PROMISED ME THAT WITHIN THE NEXT 30 DAYS IT WOULD BE REMOVED. MY COUNSELOR PULLED MY EXPERIAN CREDIT REPORT TODAY, XX/XX/2015, AND THE ACCOUNT IS STILL SHOWING ON MY REPORT. PLEASE HELP ME GET THIS ITEM REMOVED AS IT DOES NOT BELONG TO ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am requesting lender to remove PMI XXXX XXXX and lender not get information how is appropriate PMI cancellation procedures. 

Lender Refuses to Cancel the PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Phoenix Financial Services LLC
State: AZ
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:
This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are some accounts still listed on my credit report that do not belong to me. Please remove it. 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
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: PA
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:
The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX financing has been charging me late payment fee and interest on my balance due to an issue on their end. My address in their system is incorrect due to which i was not receiving any bills or statements. I have tried to explain this issue to their customer service multiple times, they did update the correct address but have not removed incorrect fees and interest billed to my account. I am clear that i will not be paying these fees as it was a problem on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have continued to receive regular phone calls from Aargon Agency regarding a medical debt that has been paid. When I ask for specific details about the debt, they are unable to provide additional information and instead tell me to contact the hospital. They have also submitted negative information to credit reporting agencies about this debt, even though I have disputed the accuracy of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
*This item XXXX XXXX is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,

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 2015-10-28
Company: ATG Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man called me I asked who it was he refused to tell me so I refused to identify my self. He said I have to I 'd myself. I told him if he did not I 'd himself to stop calling my phone. The man said they will keep calling no matter what I say or do. I hung up and looked the number up online it 's a company called agt. This is a debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: MST Financial Services, L.L.C.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CHAPMAN KEPT CALLING AND COLLECTING FAMILTY MEMEBERS, WENT ON MY CREDIT W/O VALIDATION IN VIOLATION OF FCRA, FDCPA, TCPA.

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 2015-09-10
Company: Aargon Agency, Inc.
State: GA
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:
Aargon Collection Agency continues to report false information to XXXX that I owe a debt. I have absolutly no knowledge of this account and feel violated that they keep reporting false information and it is affecting my credit. I informed the collection agency ( Aargon Collection Agency ) that this is not my account but they have been unhelpful in assisting me with this removal from my credit. I have no knowledge of this account and do not owe this account. Please assist me. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed