BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
We have used the American Express Serve card for quite sometime having our payroll direct deposited on this card. We recently noticed a recurring monthly transaction that we did not recognize. Upon further investigation, it was discovered that XXXX the merchant for our cell phone purchase, deceptively had us agree to cell phone insurance through XXXX that we specifically stated at the time of purchase that we did not want. The XXXX told us merchants sneak the agreement in with the other required signatures during purchase - so they are even aware of the deception and would not refund the charges. Upon contacting our cell provider XXXX XXXX XXXX, we were informed that the charges were not from their insurance provider, XXXX, and we were advised to dispute the credit card charges with our card provider immediately. 
We filed a dispute with American Express Serve and when their investigation was complete, our card was immediately closed and we were no longer allowed access to our remaining funds of {$100.00} on our prepaid card. We were told we violated a service agreement ( which was the section stating they could close our account at any time. ) We were also given no information as to the results of our dispute other than to request results in writing - even though the entire dispute up to this point was handled over the phone. We were also told that our funds would be immediately returned via check once all pending transactions cleared which would take XXXX48 hours. Three weeks later, we still have not received our funds. I called American Express Serve customer service and was on hold for over 20 minutes. Once I finally reached a representative, I was told the check was " reissued yesterday '' and it would be another XXXX14 days minimum before I would receive it. The rep could not tell me why the first check was never sent, nor could they tell my why it had to be reissued. Right now we are looking at waiting a total of 5 weeks for our funds to be returned all because American Express closed our account for disputing fraudulent and deceptive transactions. Since we utilized this AMEX card for our payroll deposits, this caused an immediate hardship for our family. We had no additional funds for gas or groceries until our next payroll - which we were left scrambling to receive since it was set up for direct deposit with AMEX Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MD
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:
The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian regarding a bankruptcy on my credit report.

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. Experian has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX  responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX  has failed to provide how and with whom the information was verified. 

I provided written documentation to XXXX  stating XXXX  removed the bankruptcy from my credit reportXX/XX/2020 ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating Experian is reporting late payments to a charged-off account ( XX/XX/2020). Experian responded the reporting of late payments on a charged-off account as accurate.

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account (XX/XX/2020). XXXX  responded the reporting of late payments on a charged-off account as accurate.

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 2017-02-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2021-01-26
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice for a debt from the village i live in regarding a ticket i had in the past that i did not pay. My dog was STILL ON MY PROPERTY. i watched my pet from the window when i noticed he was out of the gate in my own yard. he did not go into the neighbors yard he came right back in the door and the police decided to give me a ticket. stating the dog was loose on city grounds when he never left my driveway. The police didnt chase my dog, they didnt come on my yard, so where was my dog in the neighborhood and why did i get a ticket if he never left my yard. In the past this same police department XXXX my dog because they were supposedly charged at when the dog was running in the other direction. i have witnesses that stated my dog didnt charge these officers but they XXXX him in the back and didnt bother to pay for his medical bills. i had to pay over XXXX for his medical care but i had to get tickets on top of that? and lied to that they XXXX at and towards him but didnt XXXX  him directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You

Company response to consumer: Closed
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Accounts for XXXX on my Equifax report are listed as charged-off/bad debt. These debts were included in my chapter XXXX bankruptcy. I 've disputed with Equifax and the response I received is " This creditor has verified to OUR company that the current status is being reported correctly. '' I can verify this account was included in my CHXXXX, but they did not file a claim. I 've attached my Discharge recipient notice and can provide a copy of my CHXXXX filing if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has been billing me for a school I did not attend, XXXX XXXX XXXX XXXX. The disbursement dates they are claiming are on XX/XX/XXXX for {$2800.00} and XX/XX/XXXX for {$2900.00}. I attended XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX and requested my attached transcripts. Navient sent me a letter say " My loans were disbursed to this school which is false. I sent them the same attached letter to no avail. Their paper says Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
As ofXX/XX/XXXX- I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by Equifax data breach and may have landed into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business online freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.

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 2022-05-16
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm a XXXX. They were hiring me to XXXX XXXXXXXX for a company. I looked up the company and it was legit. She was impersonating an event coordinator and sent me a prepaid check of XXXX dollars. It cleared my bank account. I checked and the money was there. The excuse was that the event had been canceled because of covid restrictions. They let me keep XXXX dollars and asked me to zelle the accountant for the company back the {$2000.00}. My bank was blocked. The money left my bank account and their check bounced or was canceled. Neither zelle nor XXXX XXXX have any steps or protection for fraud. I'm left owing the bank back {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Collins & Hilton Asset Group, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has started calling again every since the stimulus checks are coming out. I have told them I will not pay for a vehicle that was totaled in XXXX and the original creditor got the insurance money. Now they brought the loan form XXXX XXXX XXXX of Indiana and XXXX and trying to collect the remaining amount. I'm on social security and not paying for it. They both the XXXX original creditor and XXXX XXXX have charge it off as a bad debit. XXXX XXXX XXXX is trying to silver line it's pockets. This started back in XXXX and then it was quiet now starting again since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company took four months to process the removal of my XXXX As I was waiting to complete the process for my HELOC, PHH mortgage consistently delayed my request to remove my XXXX Once XXXX  was finally removed, interest rates have significantly increased and now I am forced to accept a much higher interest rate due to PHH Mortgages consistent delayed in removing my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.

Company response to consumer: Closed with monetary relief