BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX we received a letter from Transworld Systems , Inc. stating their records indicated we owe a balance of {$210.00} to XXXX XXXX XXXX Support for a medical bill incurred for our son. On XXXX XXXX, XXXX we phoned Transworld and requested written verification of this bill. On XXXX XXXX, we contacted the XXXX provider and were told no such balance was owed on this account, nor any other XXXX account. Transworld mailed us a copy of our statement from XXXX reflecting that a {$210.00} charge was incurred on XXXX/XXXX/XXXX. It also clearly states at top and bottom of statement that patient balance is {$0.00}. However, their correspondence does not address the balance, nor indicate that their attempt to collect this payment, is no longer being pursued, as a result of reviewing our provider 's statement. We are requesting that this agency immediately withdraw and cease this collection attempt and wrote a letter to the agency with a copy of our medical bill statement on XXXX XXXX, XXXX. As of today, we have not received a response. I am mailing a second copy of our original letter to Transworld again today. We would like written verification that this collection attempt has ceased as a result of updated and accurate information. We do not wish to see this false information fraudulently reported on our credit reports. Any assistance you can provide in resolving this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Other

Complaint:
Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: GVA Holdings, LLC
State: CO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have been getting bank withdrawals from Northern Plains Funding, that I did not authorize. I contacted this organization trying to just settle whatever debt there was and the have been getting the run around all week and avoiding closing this account. I found online that this company is associated with illegal lending and identity theft and are hiding behind a XXXX. I have reported the identity theft and am stopping payment t through my bank, although I would rather just settle this issue so I do n't get any judgements, leins, or negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXXXXXX Inquiry-XXXX XXXX XXXXXXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX Home Depot called my number at XXXX XXXX. The call was automated stating " this is an attempt to collect a debt. '' This is a violation of 15 USC 1692 ( b ). I prompt to get a live operator on the phone and its a man. He wants to know if I was willing to pay.the debt. I told him what are you prepared to do if I don't pay. He replied by saying we will continue to call and charge late fees. Which is a violation which constitutes threatening language. I said are you telling me that I owe you this amount. A violation of 15 USC 1692 ( d ). I then asked him who gave him yo location information. He refused to reply. A violation of my right to privacy. 15 USC 1692. Finally he called me while I was doing business. A violation of my rights. I immediately sent this letter to the CEO of Home Depot it is the attachment.

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 2021-11-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX XXXX XXXX This company has systematically prevented me from obtaining true reason to why my all of my modifications are being denied AFTER they give a invalid explanation of their reasoning AND then when i do show proof of their errors, and patterns of violations of FACTA caused by their own omission they never received timely docs on multiple modification denials causing unnecessary harm that could have been prevented so my point is had they Secured my documents all along this wouldn't have harmed me and i wouldn't have a bunch of complaints .Mr cooper has continually violated section 12 U.S. Code 5219 - Foreclosure mitigation efforts of the Dodd frank act cause they haven't fulfilled their part of the bargain by Securing my information properly and accurately depicting exactly what my ability to repay etc then I never get a real explanation as to why after they are caught in their lie.. I mean they could have said we saw a error but NOTHING. then it caused serious stress and financial harm that was unnecessary.. I mean its thanksgiving and im still at it with this servicer that wont do the right thing and even when they are compelled by Cfpb etc they jsut stiff judgments and hurt more people with their polices .. whose the chief compliance officer of this company?? one must be called to task for the ineptitude of this farce attempt at compliance with federal and state regulations that were simply put into place to protect all consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX / bank of america Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results

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 monetary relief
Consumer complaint received 2021-03-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule of law.

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 2015-04-27
Company: TRANSWORLD SYSTEMS INC
State: CO
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:
8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a home equity line of credit from my bank. During the review process there were some missed mortgage payments. I explained to the loan processor that my wife had passed away and automatic payments drawn from our accounts were stopped upon her death. I told them that I was unaware of this due to circumstances related to bereavement. 
The amount of money that I make annually is adequate and is going to be enough not to exceed service to income debt, but what is most is most important is that I do n't owe money except vacation property that is over XXXX more in equity value than when I purchased it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
To Whom it may concern, I 'm submitting a complaint as American Express is using unfair and deceptive practices as it relates to the issuance of Medallion Qualification Miles ( " MQM '' ) SkyMiles on their Delta Reserve Card. American Express claims to give XXXX MQM SkyMiles at XXXX different spending levels on their Delta Reserve Card ; a benefit for which they charge {$450.00} a year. They claim to issue XXXX MQM SkyMiles once {$30000.00} of total spend is reached, and another XXXX MQM SkyMiles once another {$30000.00} is spent for a total spend of {$60000.00}. However, the " Total Spend '' section of their website, which is the only place to track total spend, is according to American Express, not accurate. In my case, I tracked my spending for the entire 2016 year in order to meet the {$60000.00} threshold, and reached {$60000.00} in " Total Spend '' according to their website. When no MQM SkyMiles were issued, I contacted American Express and was told that although the website showed over {$60000.00} in total spend, that the actual amount was approximately {$57000.00} as the website included the $ XXXX in interest that American Express charged me, and those interest charges were not considered part of the " Total Spend ''. The only place to track spending is under " Statements & Activity XXXX Year-End Summary '' and it is labeled " Total Spend '' with no other disclosures or stipulations to indicate otherwise. As American Express is representing this amount on their website as the total spend for the year without stating, even in fine print, otherwise, it should uphold its agreement to payout the XXXX MQM SkyMiles as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Augusta Collection Agency, Inc.
State: GA
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:
Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi AAdvantage closed my account on XX/XX/XXXX the letter says they closed my account because of one or more late payments or a returned payment. I have not one returned payment on this account nor do I have a 30-day late. I have had late payments from the pandemic but not where I was even 30 days late I have had a good standing with this account And I have had it since XX/XX/XXXX. They are treating me unfairly.

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 2022-11-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to me.

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 monetary relief
Consumer complaint received 2015-12-08
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My aunt took out a utility contract with my name and social without my permission. I was a college student in Ohio at the time these charges were accrued, and had no knowledge of it until I started receiving collections bills at my Ohio address. I have proof of my address and the collections bills that were mailed to me.

Company response to consumer: Closed with explanation