BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I use a prepaid American Express bluebird card. The card I have is a replacement for the previous card that " had been exposed to a hacker at a retailer I shop at '' ( according to AMEX XXXX. I made a purchase at XXXX and AMEX failed to pay, so the order was cancelled. This happened a second time, but I caught it before the order was cancelled and called AMEX, who in turn, immediately released the money to XXXX. XXXX XXXX, I placed {$20.00} on my card and placed an order at XXXX for ink ( for {$25.00} XXXX, but cancelled it because I needed to order more than just the one. XXXX XXXX, I placed another {$20.00} on the card for a total {$40.00} reload in 2-days time, and what should have been a balance of {$41.00} on the card. Then, on XXXX XXXX, I ordered an ink value pack ( for {$25.00} XXXX. That payment was never paid out to XXXX by AMEX, when requested, even though the money was on the card, and my order was cancelled by XXXX. I called AMEX and they are telling me that they have no idea why the money was n't paid, since it was sitting there on the card and available. Well, before I realized this, I placed another {$20.00} on the card so that I could order the ink again. Then I realized, after placing the order, that there was in the span of this time, between the money placed on the card and money used to purchase items, there is around {$41.00} unaccounted for by AMEX. The case number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim for XXXX fraud. In the first one, someone lied and said I was willing to withdraw the claim, which I had to call again a couple of days later and get filed again. As of today, I'm being told that the claim was denied. XXXX fraudulent was taken out of my account in 48 hours. I never got any alert text or anything to verify fraud charges at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ENCORE CAPITAL GROUP 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:
Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full. 

Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Collection Information Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried to submit a loan modification to P.N.C BANK back on XXXX/XXXX/2016 and they asked for all documents that i have provided to them and then they deny my modification due to them claiming I do not make enough but I actually have a positive surplus of over {$900.00}. 
I was denied loan modification on XXXX/XXXX/2016 and appealed the decision but then I receive a denial letter on appeal 3 days later. I know that by CFPB guidlines i have at least 30 days to appeal but PNC stated that since appeal process is not 90 days before sale date they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX, I am a XXXX+ year customer of PNC Bank ... My wife was very ill XXXX requiring a XXXX to save her life ... As a result she had to file bankruptcy which as her spouse, I had to be apart of the bankruptcy even though I had no bad debt reporting on my credit report prior to filing bankruptcy. On XXXX XXXX, XXXX our bankruptcy was discharged and on XXXX XXXX XXXX, I was able to secure a home loan at 4 % interest rate for {$170000.00} with also securing a New Car Loan for {$40000.00} at a 2.7 % Interest Rate ... On XXXX XXXX, XXXX, I paid my home loan and car loan off fully and secured another home loan interest rate 3.7 % and car loan at 2.7 % interest rate ... I applied for a PNC Credit card and was informed by a PNC letter that my credit was bad and I was late paying bills which was incorrect, I contacted the president of PNC with a follow-up later outlining their facts were incorrect, I was contacted by a supposed to be PNC Advocate after informing her of the situation, she stated after her investigation they could not approve me for a PNC Credit Card, even though I had paid of XXXX homes over {$200000.00} and XXXX cars over {$40000.00} unless than XXXX years, even with a recently approved XXXX XXXX and XXXX XXXX Card all limits over {$5000.00} ... She also stated that the bank reserves the right to deny and bank card or business from customers..I since found out that all PNC Banks have been denying XXXX veterans for credit cards even though they have their monthly direct deposit XXXX deposited into their PNC accounts ... As XXXX veterans we are good enough to have our money deposited into their banks, not good enough to secure credit cards??? How do I go about filing a discrimination claim against PNC Bank for potential illegal bank practices????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Green Trust Cash, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Choice Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. 

I have made several attempts to resolve this issue with the collections agency choice recovery. I disputed this debt on XX/XX/22 through all of the credit reporting agencies and the response from XXXX was that the debt what accurate each time. 

I am a victim of identity theft and this collections is not mine. This has been reported to the FTC under report number XXXX. A police under report number XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was charged off in XXXX 2012 - This debt collector is reporting this on my credit report, and mailing information to an address I do not live at. 

Attached is a copy of my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
i hate to do this since overall am ex is ok to me in XXXX years XXXX years now threatened in XX/XX/2016 a woman vandalized my home i asked american express hey since i am loyal and i have hardships and big expenses for unfortunate reasons help me out please no interest they said sure. dont worry and i got it back now i will not and can not pay interest in my current state. i would first exhaust other legal protections. since this is a hardship i resent to go thru this. i will not pay it cant but i dont like being lied to and then using the card only to be treated this way with many scripts. yes its valid buit its not right to insist with a loyal customer who only used it based on what i was told. not budging in my postion. cant wont, will not use either card til interst is credited as was promised which is why i used cards period i resent this. i will avail other options if i need to AGAIN no scripts in your answer you think i have interest money i dont? oh its valid no need to respond that way but Customer service dictates i should get what i am told. so you are losing business. period. keep sending letters but will not refund the interest go figure. NO scripts ot sendign the agreement not disputing it disputing being promised XXXX thing after XXXX years of customership. dont have it cant pay it. promised otherwise now not using. it at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2015 I contacted Quicken Loans after received an offer from them for a home loan. The offer I received was for 3.625 APR FHA 30 years. After speaking with a few folks and agreeing to our credit being pulled and putting a good faith deposit up, we began the processing of refinancing my partner 's home so that I could be included on the deed to the property and the mortgage. The mortgage broker only offered us a FHA Streamline Refinance and I asked several times if this option will ensure that the Warranty deed for the property is updated to include me name. Each time he assured me that it would ( another Bank had told us we could not do this type of refinance because they would n't be able to add me to the Warranty deed and Title. ) We were quoted an APR of 3.99 % for the FHA streamline and told we should go with this option because any other option would be too difficult since it would require a home inspection etc. We proceeding and closed in about 3 weeks on the refinance. No issues over the last year, until recently we had to sell our home because we are relocating across the country. During the closing process, the title agency determined that in fact my name was never added to the Warranty deed for the property and that while I was liable for the mortgage, had something of happened to my partner I would have had to went through probate court because Quicken failed to update the Warranty dead as promised. This not only slowed down the closing on our home, but added frustration because for a year I had believed based on what I was told I was added to the Warranty Dead for the home and never was. Therefore I was paying on a mortgage to a house which I did not legally own. It was very shady to know that Quicken either failed to update the proper paperwork with our Country regarding the Deed or flat out lied in order to get me secured on a mortgage even though I would not legally own the property. It was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a collection letter from : Transworld Sytems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm not familiar with this debt and feel it should be removed. is been reporting for over 5 years and they continue to not work with me to remove it. This is hurting my family 's ability to get the financial help we need. Your help will be greatly appreciated. 

I attached the XXXX collections this same company is reporting and they 've sent harassing mail to me. I would like the all removed from the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief