BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I found out that Kohls/Cap One added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Kohls/Cap One for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My mortgage company charged me a monthly fee for a service I was unaware of and hide it under " other. '' I had no idea that I paid {$37.00} for 10 years for a service I never authorized until I got a form in the mail. When I called the home warranty group that sent me the form, I told them I did not have a contract with them. They said my mortgage company had indeed been taking my money for the contract since I signed for my house. I sent XXXX letters to the Mortgage company and they said I was given it at closing. I checked my closing papers and I did not buy a home warranty. The seller bought one for me. I did not sign up for the service. I sent HSBC a copy of my closing contract and asked for the 10 years of fees to be reimbursed. I never once asked for the home warranty and I did not use it because I did know I had it. They have not answer my letter I sent 6 weeks ago. I want my 10 years of paying for a service money back and it was a faudulant activity on HSBC 's part

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: APR or interest rate

Complaint:
American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for US bank and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with US bank and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on 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 2015-07-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have asked American Express Credit Card for a authorized user card for my wife on 3 occasions. My credit is perfect and I am in good standing everywhere yet they refuse to right to allow my wife to be an authorized user and refuse to tell me why. My wife has not made any request to the company for credit, I did. So why ca n't you give her the right to use my credit if I authorize it, most every other financial institution does. 

I have total financial responsibility for my account and they ca n't tell me why my wife can not have a card when we both have XXXX, XXXX, XXXX, and any other account we like. I am authorized user on some of her accounts as well, yet they tell me that they can only talk to her as to why she ca n't use my credit and be a authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I requested via XXXX validation of debt, or the account be removed. 
after investigation was completed, XXXX verifed debt to be accurate, by law i have the right to documentation showing this debt is accurate. please provide me proper validation this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This account is listed as XXXX XXXX Account which is violation, also Midland Credit Management states Past Due amount, I do not have a contract with Midland Credit Management. Midland Credit management also reports a 120+ days past due amount, I do not have a contract with Midland Credit Management XXXX Midland Credit Management reports a 1 month term, I do not have a contract with midland credit management. These are all FCRA Violations and I demand deletion or appropriately action will be taken. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do n't know. I 've answered a few times but no one on the line. Repeatedly 3-5 calls per day beginning at XXXX EVERY DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
My phone was in purse it was taken by some known to me she shelled herself XXXX. Bu using my Face ID password. I didnt XXXX this account at all. They took it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ok XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX va XXXX they keep calling me about a item or debt that I have no knowledge and Im unaware of the so call debt they are talking about ... I asked them to verify it and send me the original contact to me with my signature and my ss number and my address they wont do it I ask for this in writing they wont provide me with this information. They refused to send it to me.. but they keep calling me and harassing me and I cant take it nomore ... I asked them to take me off there calling list but they wont stop PLEASE HELP Me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identify theft I did not authorize or give consent .The following items do not belong to me and is a result of fraud that I did not authorize. Please see attachment and delete all accounts listed

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 2021-03-12
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  regarding the inquires.

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 2017-08-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Notice to all, I am that I am, the CONSUMER in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding. 

On XX/XX/2022 I received a letter from FIRST POINT COLLECTION RESOURCES INC. to acknowledge a dispute. I never gave them my written consent or permission to contact me. This is Harassment, and has left me with extreme XXXX  and XXXX. 

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Evidence and Proof shows they contacted me on XX/XX/2022. They have/retrieved/bought/stolen/were given MY PERSONAL MEDICAL INFORMATION. THIS IS A VIOLATION, and has caused me great mental suffering and XXXX. 

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

Evidence and Proof shows They have included a logo within the contents of the letter. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Evidence and Proof shows that the letter reads this is communication from a debt collector. THIS IS A VIOLATION.

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

To say I owe a debt on my private medical information is obscene and profane language

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following account information I have listed below was not handled properly due to XXXX XXXX, Transunion being non-compliance and being in violation of the FCRA.

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 2018-03-20
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERCANTILE ADJUSTMENT BUREAU # XXXX lack of information sufficient to form a belief as to the truthfulness of doctrine of laches, waiver, allegations within account. MERCANTILE ADJUSTMENT BUREAU claim is barred by estoppel, accord and satisfaction, payment, release, modification, statute of frauds, and/or unclean hands.The Agreement is void for want of offer, acceptance and/or consideration. I XXXX XXXX never entered in to any contractual agreements.MERCANTILE ADJUSTMENT BUREAU has failed to exhaust the administrative and/or contractual remedies .MERCANTILE ADJUSTMENT BUREAU is not entitled to recover the damages it seeks.MERCANTILE ADJUSTMENT BUREAU claimed losses are the direct and proximate result of its own negligence, intentional conduct, acts and/or omissions or the conduct, act and/or omissions of third parties for whom I XXXX XXXX am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Rent Recovery Solutions
State: GA
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:
Rent Recovery Solutions contact me in regards to a debt with a landlord-tenant dispute. They informed me the debt was associated with an " eviction '' that had occurred. I asked them if the debt had been verified, they confirmed, and I then requested to see paper work associated with the eviction ( court papers, court date, etc. ). They would not disclose this information, as I already knew the landlord did not provide me with an eviction notice, nor was I given an opportunity to defend myself in court. This all stems from a last month rent withholding due to the property being deemed uninhabitable per a city violation that was issued by XXXX XXXX that was not acted upon. I have tried multiple times to contact XXXX XXXX ( XXXX ) regarding this matter only to get no response. I beg of you to please look into this matter as I am almost certain there is some form of fraud taking place as this debt went from {$840.00} ( one month of rent withheld ) to almost {$5000.00} without a court date, eviction notice or legitimate verification of debt.

Company response to consumer: Closed with explanation