BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.

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 2021-03-21
Company: BBVA FINANCIAL CORPORATION
State: AR
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 XX/XX/2021 a charge of {$990.00} was taken out of my account by a XXXX Disaster Pro This was never authorized. I called Simple bank and told them immediately it took them 10 days to send me and email saying Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. 
The reason ( s ) for denial : There is no evidence that an error took place. So then I called the merchant after having to look it up online because it didn't provide a phone number to my bank which the guy spoke with on the phone said that that was strange. I called XXXX disaster pros it pretty much went straight to a voicemail nobody ever answers they never call you back and then I emailed them and they said Hi XXXX, Thank you for getting in touch. 
Unfortunately, I have no way to verify if you did or did not. If you feel someone may have stolen your information then you need to file a police report and send that to us. 
Have a nice day! 
XXXX XXXX XXXX XXXX Customer Support I sent them an email back saying How can you work on somebody's loan application if you can't see who put in that loan application cuz obviously who put in the loan application is not the same person that's on the bank account cuz I know I didn't sign for anything so how am I supposed to file a police report The only name that I have is y'all 's name so do I file a police report on y'all I guess I'm going to have to if I don't get my money back. And have never gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : 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 MIDLAND FUNDING or any company associate with this account # XXXX, 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 : MIDLAND FUNDING 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 SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are mine.

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 2016-02-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: ENCORE CAPITAL GROUP INC.
State: CT
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:
My brother, who happens to be a XXXX in XXXX, received a call from Midland Financial LLC telling him I owed {$1500.00}, then asked for any and all addresses I may be found and finally for my ENTIRE social security number. This was followed by a court date which I could not attend because they sent the relevant documents to an address associated with my house which has been inactive for 75 years. I find this to be highly illegal and I will pay, but I want them to be restricted from these tactics in the future. 
To be completely straight-forward, my brother told me to consider them a scam and ask a more qualified attorney, who also told me to ignore them. If I had known back then who they were I probably would proceeded with legal recourse immediately, though they presented themselves in such a way as to trick me into believing they were illegitimate when in fact they restricted my ability to fix the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage with Dovenmuehle Mortgage on XX/XX/XXXX. We received a pay off confirmation letter dated XX/XX/XXXX. The amount of our escrow is {$11000.00}. As of XX/XX/XXXX they have yet to return the money to us. Below is a summary of some of our over 25 phone conversations with Dovenmuehle Mortgage : On XX/XX/XXXX we were told by representative XXXX that Dovenmuehle was able to direct deposit our escrow refund since we had not yet received their check in the mail. We e-mailed a voided check to the e-mail she provided and was told that in XXXX days we should receive the deposit. We never received the deposit. 

On XX/XX/XXXX we called them to see where the deposit was and were told by representative XXXX that direct deposit was not an option. XXXX was going to have another check issued and we should absolutely have it on or before XX/XX/XXXX. We never received the check. 

On XX/XX/XXXX we spoke with supervisor XXXX XXXX initials LRO ) that the check was mailed on XX/XX/XXXX. She was putting a tracer on that check to see where it was and was reissuing another check on XX/XX/XXXX. She said she would request this check to be sent to us via overnight mail. We never received the check. 

On XX/XX/XXXX we spoke with representative XXXX XXXX initials XXXX XXXX who said that once the loan is paid off a check for the escrow refund is automatically cut in XXXX weeks. I then requested to speak to a supervisor. She directed me to XXXX XXXX initials XXXX XXXX who told us that she would have to research where the check was and that would take 24 hours. She guaranteed us that she would call us back on XX/XX/XXXX. We never heard from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: FC HoldCo 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2016-10-01
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ON XXXX I WAS CHARGE {$14.00} FOR A FREE MOVIE. THE MANAGER STATED THEY DO N'T DO REFUNDS AFTER YOU LEAVE THE ESTABLISHMENT. I HAVE PROVIDED THE DOCUMENT EMAIL. ON XXXX/XXXX/2016 I WAS CHARGE {$21.00} FOR FOOD. XXXX WHO SWIPED THE CARD HANDLE IT INCORRECTLY. THE AMOUNT WAS SUPPOSED TO BE {$18.00}. WHEN I CAME TO THE ESTABLISHMENT. I WAS SUPPOSED TO GET A CREDIT FOR {$21.00} NOT BE CHARGED {$21.00}. ON XXXX/XXXX/2016 MY CARD WAS TYPED IN FOR {$15.00} FROM XXXX. PLEASE NOT I 'M DISPUTING THAT TRANSACTION.

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 2017-02-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried over 10 times to get my XXXX score directly from Equifax, and their system has refused to release my XXXX score. I tried to call for help over 6 times and they say nothing is wrong but I still can not get my XXXX score. Originally they stated I had a mismatched name but I sent them documentation on XX/XX/2017 showing my proper name and they updated it. I believe the hyphen in my last name is causing a problem with their system. My hypenated name on my credit report does n't match my non-hyphenated name on my Equifax profile. But the Equifax profile does not allow hyphenated last names but their credit report allows hyphenated names. This creates a mismatch that prevents me from getting my score. I have been bounced around to different departments and no one is helping me. The error code shown on my XXXX failed orders is Eval Code : - Status Code : XXXX Reason Code : XXXX but no Equifax agents knows what it means. I also tried to purchase the XXXX score from a different source ( XXXX ) and they can not get my Equifax report data. Equifax is not releasing my credit report. My refinance is closing in a few days and this is jeopardizing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NY
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 Balance $ XXXX-Late/Open Late Date 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 2022-04-10
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

Company response to consumer: Closed with explanation