BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have tried numerous times since XX/XX/XXXX to get a loan ( using my XXXX XXXX XXXX XXXX as collateral ). All 3-4 times were initiated by XXXX XXXX stating that my loan was guaranteed Pre-Approved and even 100 % approved for even more than I had requested. Each time I went through the entire application process being told by One Main that my loan was guaranteed and each time I was denied at the last minute including this week! I am completely baffled and dumbfounded by the false advertisement and lack of professionalism & competency of this business and how they continue to exercise business this way!! I have proof of each time of going through this process including email communications and screenshots of guaranteed approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Amount owed {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2007 I was a XXXX and make my way into the world. I started looking for schools to continue my education and ensure a healthy and stable future. 

My search abrubtly ended when I was called by a recruiter from XXXX XXXX XXXX. She spoke with a manner that invited and ensured me of a successful future of my dreams. 

Needless to say I 'm sure she talked a lot of XXXX year old XXXX young men into committing to what has been the biggest mistake of my life. 

The admissions process alone was worse than buying a car with the amount of lectures and pushy tactics, not to mention the mountains of paperwork they pushed onto me. 

I lasted a year before the lack of education finally took hold. The instructors ( definitely not professors ), could hardly XXXX, much less teach XXXX XXXX XXXX. 

Upon the utter dissapointment of leaving without even a certificate of any sort, and ontop of the fact all of the credits earned were worthless to other accredited institutions, I had learned just how much a single year at XXXX cost .... over {$27000.00}. 

It is now almost a decade later and I owe a little over {$13000.00}. This means nothing to XXXX XXXX or whoever else has interst in these loans because they harass every hour they are allowed, every day they are allowed. They have no reasonable customer service and the negotiations I have attempted to make have been laughable at best on either side. 

I sincerely hope action is taken to prevent these types of institutions from preying on the youth of this country, by selling dreams they can not make and promises they can not keep. 

I also hope thay many learn from these types of experiences so that one day, if they are faced with a similar situation, they can identify it and save themselves from over a decades worth of headaches. 

Who would 've thought that pursuing the American Dream could turn out to be such a nightmare. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX 2020, I went to XXXX to receive a {$200.00} dollar XXXX XXXX from my Aunt, I then wanted to deposit the {$200.00} into my Chime account. The cashier should have only deposited {$200.00} into my account. Instead she first charged me {$200.00} for no reason, then she proceeded to deposit the {$200.00}. There should only be one transaction on my account from XXXX at that time and its for a deposit of {$200.00} ONLY! I have filed complaints with the police department, XXXX and my bank. I have not received reimbursement from XXXX nor my bank which is why I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Rewards

Complaint:
I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased an American Express Serve Pre-Paid Card to use as a source for direct deposit of my pay check. My first deposit was deposited on XX/XX/2016 and on the same day of that deposit I received XXXX unauthorized transaction from the State of XXXX while I was in the State of XXXX working. I contacted the American Express Card services the same day XX/XX/XXXX to notify them of the unauthorized transactions. There were XXXX transaction for {$50.00} each and XXXX transaction for {$37.00} for a total of {$180.00} on XX/XX/XXXX I was told I needed to wait 3-4 days for the transaction to post and to call them back. I called back on XX/XX/XXXX and was told the transactions had posted and that I could dispute the charges. I was told I needed to fill out their Declaration Fraud Form and return it via their upload site. On XX/XX/XXXX I scanned the form as a PDF and uploaded it to them. They told me, if I return the forms back within a 10 day time period, they would credit back my money while they completed the investigation. After 8 days, I call them again because I had not received any correspondence from them during the 8 day periods. I was told that the documents I sent were all black and unreadable. After pushing the issue to a speak to a supervisor I was told that their PDF program was not working, so they could not read the forms. Once again, I informed the supervisor that I not received any correspondence from them concerning the documents being illegible. I asked the supervisor what was an alternate way to send the forms back and she gave me a fax number ( XXXX ) and she said if I fax it immediately, she would get the documents from the fax machine and review it. I fax it on XX/XX/XXXX at XXXX and received a fax conformation that the fax was received OK. I call her back and she said that she had received it and the forms were good. The supervisor then said she was going to send them to the investigation department to complete the process and to get them to credit my money. I call again on XX/XX/XXXX to find out my status and once again I was told the forms were unreadable and I needed to resend them again. I said the first one were unreadable but I resent them via fax and they were reviewed as OK. I never received a text or email that either set of documents sent were unreadable or unusable. Please remember the supervisor on XX/XX/XXXX read them and said they were ok. I was requested to send them again for the third time via fax by Supervisor XXXX ( ID # XXXX ) which I did on XX/XX/XXXX. I really believe they are stalling and taking me through all these changes so they do n't have to return my money by making me become frustrated and walk away from the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an vehicle loan through Wells Fargo Dealer Services ( WFDS ) which I recently paid off ( XX/XX/XXXX ). Upon closure of the account, WFDS added a line to my account that said " Consumer Disputes After Resolution Closed Or Paid Account / XXXX Balance '' to my Credit Report. 

This is inaccurate - at no point have a disputed anything related to this account, and it has negatively affected my credit score, over XXXX points for TransUnion. I have sent a fax to the Wells Fargo Credit Dispute department asking for them to remove the line, and they have been wholly unresponsive after a month. 

I did write a Goodwill Letter to them this summer, asking if they would remove a 30 day late payment from XX/XX/XXXX, however I have never disputed the late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The XXXX case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is XXXX XXXX XXXX, XXXX violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX XXXX XXXX Claims Division on XXXX XXXX, XXXX? Massachusetts Statue Limitations, Chapter XXXX, Section XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I ordered the sofa and paid {$590.00} for it at the website of XXXX XXXX on XXXX XXXX, 2015. But the sofa is an unqualified one. I contacted the merchant that the sofa was creaking when I sat against the back by email on XXXX XXXX, 2015. Later a repairer came to fix it but the problem still exists. Then I found some new problems that the XXXX pieces of fabric have n't been stitched together all the line near the wood frame. It is outrageous! XXXX made the sofa perfunctorily.You can see the white polyester fiber filling. I contacted the merchant many times but they did n't care about it and is planning to shirk responsibility. My credit card issuer American Express ca n't protect the cardholder. According to Fair Credit Billing Act, I do not have to pay the money. So the unqualified and defective sofa should be returned and the total amount money {$590.00} need be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
We where disbursed a private Student Loan on the XX/XX/XXXX for {$5000.00} and XX/XX/XXXX for {$5000.00} and only XX/XX/XXXX for {$8500.00}, our co-signer later filed bankruptcy ( who is now deceased ) which had nothing to do with us paying the loan yet Sallie Mae/Navient according to my payment history sent in XXXX charged us a Capitalization Fee of {$4000.00}. 
Why did it matter that our co-signer filed bankruptcy she was not the one going to pay the loan back and the loan never went into default at least I was not sent anything so how could they charge us a capitalization fee? They are telling me these loans will not be paid back until XXXX that is way past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has failed millions by not investigating disputes and simply doing what is most economical for them. Please see my attached letter. I have several accounts that are unverified that Experian has refused to follow the law in doing a proper investigation. Involving the CFBP to help me look into this matter is my last straw berfore taking legal action. XXXX and XXXX did and investigation and deleted the unverified accounts earlier this month and I 'm very confident once Experian investigates them they will do the right thing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I received a solicitation from American Express for a personal platinum card product several months ago. The offer suggested that if I spend {$3000.00}, I would receive XXXX membership reward points. I made a single purchase of about {$4000.00} to XXXX for my family 's yearly home insurance bill. I received the XXXX membership reward points but they were taken away from me on XXXX XXXX. I have called American Express 4 times and told that my spend was not eligible for the bonus. I have been a customer of American Express since 1998 and feel ripped off. If the points are not returned, I will cancel all my cards - I spend about {$300000.00} per year on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Purchased a product from XXXX for approximately {$360.00} it did n't work and I returned it. The bill from American Express kept demanding payment for something I returned to the store. I do not owe this money and have never used the American Express subsequent to this purchase, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We contacted Midland Credit Management to settle outstanding credit card debt, which they purchase for the original creditor. Midland Credit Management sent us settlement letters, with settlement amounts. We purchased cashier checks in the amount requested and returned copies of their settlement letters with checks in the amount of the agreed settlement payments via certified mail. 

A few weeks later we were contacted by Midland Credit Management who stated we would need to pay the settle amounts again, because payment was not received in a timely manner. 

In good faith we made payments as Midland Credit Management requested and still we continue to receive phone calls and letters. 

Midland Credit Management did not return the payments and is refusing to show the debt as paid to the credit agencies.

Company response to consumer: Closed with non-monetary relief