BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company midland funding have reported a collection charge to my credit report and i have never gotten any letter or any attend to collect this debt, i tried multiple time to contact them to resolve the issue and find out where this debt came from but it seem like they have no idea neither or have any information they can provide me, i gave them my cell number my social security number to retrieve the account in question in their system but nothing come out according to them instead they tell me it maybe in a different department and they provided me with a few different phone numbers and when i call those numbers its the same no one seem to know or cant find this account, im in good faith trying to resolve this issue so it can be remove from my credit report but no one can help me im desperate to get this fixed, i even tried disputed it with XXXX  and XXXX but nothing happen please help.. 
here is the collection company information.. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. 

Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. 

When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. 

They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! 

A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. 

Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I bought a food processor with my XXXX American Express card in XX/XX/2015. I immediately paid the amount off and have made no further purchases. However they have put this item on a credit plan instalment and are charging interest each month. I rang and said this was ridiculous and I want to cancel my card which I was told was done. Then I get a statement saying I owe money for the interest payments. I rang them and said I have cancelled this card and never agreed to this payment plan and the item was paid off 2 years ago but was told this time I owed money ( although the top of the page says I am in credit ). I said fine send an account for this outstanding amount. Instead they have sent another statement with again interest being owed on an item paid for 2 years ago on a credit plan I never agreed to. I am wondering how long I am going to be charged for nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I got XXXX XXXX loans with XXXX XXXX, after a couple of years my loans were taken over by Navient. I have been paying on my loans every month even after the Cares Act was enacted in XXXX. Apparently out of {$1.00} TRILLION of student loan debt my loans don't qualify for the stimulus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I received the XXXX, XXXX or XXXX bill for a charge I did not incur. Despite several calls to the XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX  ( XXXX XXXX ), and was told they would look into it and despite the fact there have been others on my account that were bogus and were cleared up, this one was not. The reason they gave for the denial is that I elected to participate in an initial trial offer and did not cancel. Total XXXX. I never heard of the company XXXX XXXX XXXX XXXX My research on this company showed that this company was a scam and other XXXX holders experienced the same outcome. Since my association with XXXX was XXXX of several charges to my account that I never made and were resolved satisfactorily, I dont understand this. As a result I cancelled my card. When these scam amounts were resolved, I would receive a new M card and sure enough bogus charges would appear. The amount I was charged was {$95.00}. After I was told they would look into it a {$30.00} fee was added to the. Talk about fraud!

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 2022-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been transferred to GreenTree Mortgage dba XXXX. I have requested a modification due to my current health issues. While in the process of requesting a modification, I also requested several legal documents from them such as my Mortgage Note, and copy of my security deed, and past 3 yrs mortgage history. I requested these documents 30-45 days ago, but never received any of them. The payoff balanced that was quoted to me was {$42000.00} more than what I originally started with the mortgage. I did not understand how the principle balance increased so high. In addition, I asked the name of my current investors or who really owns my mortgage, but was given vague and erroneous information. There are so many discrepancies with my loan. My original loan was with XXXX and then transferred to at least XXXX different servicing companys. Please help me, I do not want to lose my home, or taken advantage of. I am XXXX years old and very afraid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-08-27
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I 've had a Serve One VIP prepaid card issued by American Express for several months. It was an attractive card due to its low fees and ability to safely load cash at many locations outside traditional banking hours, as well as the ability to transfer that money to my other out-of-state bank accounts with pre-existing debited bills. 

However, I received notice on XXXX XXXX that my account was being being shut down and could no longer load my money. There was no notice, no explanation given, and no recourse offered whatsoever. I attempted to contact Serve for further information and was denied any assistance with regards to the sudden actions taken against my account. 

Upon my own research I came to understand that Serve has taken similar actions against many other account holders for perceived violations of terms & conditions regarding loading prepaid gift cards to their Serve accounts. On XXXX XXXX I initiated XXXX money load transaction from my debit card ( NOT a gift card ) for {$200.00} in order to have funds available in another account for an upcoming bill that was due via auto pay. It seems quite clear now that Serve has taken adverse action against me for using their product feature that is readily accessed and available on their website. If they did n't want this feature used by their consumers, then it amazes me they still offer it in the first place. 

Again, there was no notice given and no ability to rectify the situation. I find this highly frustrating and excessive on behalf of Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Waypoint Resource Group, LLC
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:
On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraudulent charges were identified and submitted on American Express PAID statements from XX/XX/XXXX-XX/XX/XXXX. Fraudulent charges were removed ( {$3300.00} ) and the remainder of the PAID charges were re-billed to my account ( {$5200.00} ). There are an additional {$43000.00} of fraudulent charges to submit from XX/XX/XXXX-XX/XX/XXXX. I have disputed and have been harassed by American Express collections. I have discussed the matter with multiple representatives and the fraud department. I explain the details over and over again. I can not resolve. I have requested a single point of contact to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.

Company response to consumer: Closed with explanation