BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pnc has made it difficult to link to outside financial firms. As this is standard practice it makes it appear that they are attempting to prevent transfers out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been working to pay off my {$140000.00} in student loan debt with XXXX then turned into Navient. I have said since day 1 I would always pay my loan bills on a Friday and yet the payment would not be applied until the following Wednesday. Considering the amount of money I owed as well has having interest that was compounded daily this was a large sum of money that I was still being charged in interest but had technically already paid. Whenever I called Navient to speak to a representative about the issue they said that interest was really joy charged but I certainly could tell it was. Also, when my loans first came out some of them were grouped into " billing groups '' so on the website if I wanted to specifically pay the highest loan with the highest interest ( makes finainal sense ) I could n't because the payment would be applied however they saw fit as opposed to being billed directly to the loan I wanted it to. I actually had to call and ask them to release certain loans from billing groups in order pay those ones off faster. I never felt comfortable with the this company and I always felt as though the interest I was being charged was very unfair. They also changed the interest rates on my private loans without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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 Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.

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 2016-12-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an item on my credit report under the company Creditors Bureau USA. This item is showing a balance of {$750.00} and a date opened of XX/XX/XXXX. I have made multiple attempts to contact this company to the address listed on my credit report XXXX XXXX XXXX XXXX, CA XXXX. I am not clear as to what this account is for, I have not received any verification documents from the original creditor, and I also do not know whether or not this debt collector is licensed, or has applied for a license, per the Debt Collection Licensing Act that took into effect XX/XX/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 2022-04-18
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022, I received a notification from Experian that my email address has been modified. Following that email I tried to log into my Experian account and received an error message that my log in credentials has changed. 

I've contacted Experian and was not able to resolve this issue. I can no longer get into my account and there is no way to reach a specialist according to their automated system.

Experian I believe are involved or hacked into.

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 2022-04-18
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citi Bank should have closed my savings account in XXXX when requested. It is still open and they are charging service fees.

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 2016-05-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I tried to use XXXX prepaid American Express cards for {$60.00}, {$10.00}, and {$10.00}. The {$60.00} was credited for {$44.00} and the other XXXX were declined. I called American Express and was told I had been charged their $ XXXX. fee 5 mo. after issuance. I said there was a law against that in the State of Washington, but the rep said there was no such law. The required statement and font size appear to be satisfied on the cards, but I do not believe the other criteria in XXXX XXXX are met. The only exception might be the 24 months of inactivity on the XXXX {$10.00} cards, although I ca n't confirm the issuance dates for them. The {$60.00} card was issued in XXXX, 2013. The cards were issued as rebates for XXXX merchandise. Am I interpreting the code correctly? Were these fee charges legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Personal information incorrect

Complaint:
On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called transition, XXXX and XXXX. Neither one of those companies obliged.

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 2021-01-28
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! This needs to be resolved in 7 days.

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 2017-01-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX night XX/XX/XXXX XXXX going into XXXX XXXX use to withdrawal XXXX the machine got to the point where it stated to counting the money but the door that the money comes out neve opened up instead it repeated The process again but no money stii does n't in it printed a receipt saying incomplete transaction. So I used the machine next to it abd this time a receipt comes out stating contact your financial institutions. So but now Im on the phone with my financial institutions which is American express they tell me that on their side the money came out. So now I 'm mad because they was playing with my hard earned money I get the manager of the XXXX to make him aware of what was going on with the Mac machine. So a lady comes in about XXXX to use the Mac I asked her could see use the one that I used to see if it works for me and low and behold the Mac machine got to when it ask you your amount. Well the lady went to hit XXXX the Mac machine cuts completely off then cuts right back on and saying temporary out of Order and American express keeps playing game they told me to send copies of my receipts I also sent my drivers license and prepaid card I sent in then they stated that I have to fill out a dispute form out I filled that out. I call them on XX/XX/XXXX to see if they received the documentation they asked me. Then they informed me that they was n't going to contact XXXX. " supplies all the Mac machine ib the XXXX '' but that they was n't going to contact them until XX/XX/XXXX and then contacting them they was n't going to contact me until XX/XX/XXXX. But instead e-mail me XX/XX/XXXX @ XXXX. Telling me that they was n't going to put my money back into my account and that if I wanted what paperwork they sent to XXXX and that take 5 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Rewards

Complaint:
We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. 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 monetary relief