BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company states the I owe a debt with 4 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 4 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. I demand that the accounts be removed. The account being in these numbers 676, 681, 661, 679 needs to be deleted as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
On the XX/XX/XXXX I applied and got approved for the American express platinum card that came with the bonus promotion promising XXXX membership rewards points after spending {$3000.00} within first 90 days ( see attached document 1 ). 
On the XX/XX/XXXX American express took XXXX membership rewards points away from my account ( see attached document 2 ). I received email explaining that my points were taken away and claiming that the points have been earned in inappropriate manner????? ( See attached document 3 ). 
I have called American Express to inquire about points adjustment, the agent stated that the points were clawed back because I have closed the card, and there is no way to get points back. I informed agent that there is nothing in Terms and conditions about removing bonus points if the card is closed. Next Agent helped me file claim/inquiry with American Express regarding the XXXX points adjustment. After speaking with XXXX at American Express Membership rewards department, she informed me that the qualifications were not met to receive bonus. 
When adding all my purchase minus fees and adjustments, and returns my total spends for first 90 days was {$3300.00} ( see attached document 4 ). 

Please add my purchase manually and deduct the fees, adjustments and returns and you will see that my purchases in first 90 days well qualify me for the XXXX bonus points. 
There were no fraudulent transactions and points were obtained in good faith. 
I honestly think this is computer error and it can be corrected if reviewed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 2015-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I tried to find the opporiate selection of the complaint ; however could not find XXXX which would apply to this particular situation. While employed for Portfolio Recovery Associates it was brought to my attention that they had purchased a portfolio which contained an account which was mine, but the statute of limitations was well expired. I can not recall the the orginal creditor ; however the debt was well over the 3 year statute of limitations in which I was a resident of, which is XXXX XXXX. I was informed by XXXX XXXX that I had to resolve the debt inorder to maintain employment with the company. The amount was around {$1500.00}. In order for me to maintain my employment I had to sign an agreement to allow PRA to deduct post tax, {$50.00} a pay period for one year to resolve the issue. It was in my employment agreement that any employee who was found to have a debt in a portfolio PRA owned that it must be resolved to maintain employment. It is my opinion that the debt should have been disvolved based on my state of residence and should have never made it into their system to begin with based on NC statutes of limitations. There was an extra payment removed from my check after the agreement had been met, which PRA subsequently refunded to me. Further more after resigning from PRA I recieved another letter informing they had purchased another portfolio with another debt in which the 3 year statute would apply. Other than the intial letter I have not recieved any further communication of the debt or its collection status, this was in XXXX of 2015. I can not recall the amount, but remeber that the debt was outside of the allowable time NC has put in place. I do not know if there are any other accounts in this status with them and would like to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

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 2016-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 I ordered an Official Check from USAA ( a company with whom I have had a longstanding relationship ) with expedited shipping ( USAA does not specify method ). Five days later the check had still not arrived. No notification was given that the check had been issued or shipped or by what method, nor was any tracking information given. The bank representative on the phone used tracking information not available to me to inform me that the check had supposedly been delivered by XXXX on XXXX/XXXX/16 ( the funds were not debited from my account until XXXX/XXXX/16 ). This Official Check - essentially a cash instrument - was sent by unsecured means with no signature required. No XXXX package ever arrived at the designated address, or if it did it was left in an unsecured location and stolen. I requested that the bank stop payment on this check and immediately issue another check in the exact same amount to the exact same payee but the bank representative refused, stating that their policy prohibited doing so for 90 days - meaning of course that they preferred to leave open the possibility that the check would be fraudulently presented for payment. I escalated the matter to the CEO 's office, which responded promptly to my email ( XXXX was the rep 's name - no last name given ), but then took several more days to " investigate '' before informing me that no exception to their policy could be made despite the fact that it was to both the bank 's and my benefit to stop payment. This is both inexplicable and unacceptable. Our interests in preventing fraud would seem to be aligned in this matter but the bank remains obstinate. Please intervene and assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Netspend Corporation
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to get a loan modification starting   XXXX   thru  XX/XX/XXXX    I have sent all documents requested on numerous dates. All documents have been confirmed as received. After an unpleasant conversation with an underwriter who questioned my   XXXX   XXXX  ax return schedule C costs of labor and materials the situation seemed destined to be a negative experience. His questions seemed to be from a person that was not very experienced with self employed customers. The review resulted in a denial of a loan modification stating that my income was more than it actually is. I appealed sending updated and more specific documentation and more recent financial information that included bank statements and profit and loss statements for the  XXXX  quarter  XXXX . The underwriter based my income on tax documents from  XXXX . I am self employed and each quarter has an income variation that was not analyzed accordingly. Also  a drive  by appraisal that I received from them had  XXXX  inaccuracies that drastically affected the stated value of the residence due to square footage errors on the appraisal. Incorrect income and incorrect valuation appraisal is unacceptable when it affects a major decision for a loan modification. I attempted to have the accurate information reviewed to no avail. I believe that my hardship reasons affected the decision also. The fact that I have health issues and that I am female are just additional reasons I believe the loan modification was denied.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to Experian requesting removal of two accounts XXXX XXXX XXXXXXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXe ( XXXX ) the listed accounts aren't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the accounts are legally my accounts. I have also call the reporting agency several times to get this matter resolved. These referenced accounts have been removed off my XXXX report due to illegal reporting of false accounts. 

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX requesting removal of one accounXXXX XXXX XXXX XXXXXXXX ( XXXX ) the listed account isn't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the account is legally my account. I have also call the reporting agency several times to get this matter resolved. These referenced account has been removed off my XXXX report due to illegal reporting of false 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 explanation
Consumer complaint received 2017-05-09
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated   XX/XX/XXXX   from a company called "  SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in  XXXX  fo r 15years, and   2 )  this debt collection company never reached out. I called them rep eatedly today (  X/X/17  ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: ERC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company states the I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Credit Agency reporting-who & how to handle? 
CHRONOLOGY of EVENTS : XXXX I had severe Identity theft ( Divorce related ) XXXX I worked to get Cr agencies to report XXXX BK & debt charge-offs appropriately XXXX/XXXX/XXXX Credit Agencies started reporting BK/identity theft charges from XXXX, out of the blue. 
This error just dropped my credit XXXX points in 1 week & i was rejected for a home or rental leaving me homeless & I desperately NEED HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Diversified Consultants, Inc.
State: CA
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:
1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I applied for a refinance on our mortgage loan with LoanDepot.com.LLC in XXXX XXXX, CA XXXX. After months of waiting for an approval they came back and denied the loan. We were to receive a written response mailed within 3 weeks and still after 2 months we have not received the written letter. This company seem to be NOT very reliable or trustworthy. After giving them all of our sensitive information they come back with a denial and will not send any reason why. I sent them a neg. survey and they do not respond. Both my wife and I have a credit score of over XXXX but the loan was not approved. It appears that this company is a scammer ... .client beware!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX   XXXX  is reporting a collection account on my credit report with  XXXX . this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX  This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with   XXXX   twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on   XXXX   XXXX   then spoke to another representative from  XXXX   XXXX  on   XXXX   who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 non-monetary relief
Consumer complaint received 2017-05-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.

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