BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: AMERICAN EXPRESS COMPANY
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  sent me a letter dated  XX/XX/XXXX  asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all.     I called the  XXXX   XXXX  the last week of   XXXX   XXXX   and spoke with  XXXX  from Customer Care. She advised that the bill was for purchasing 2 phones from them in   XXXX   XXXX   and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any  XXXX  signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed  XXXX  refunded my credit card the activation fees that week.     After some time,  XXXX  told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update.     No further communication did I receive from  XXXX  until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to  XXXX  which is {$140.00}.     I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe  XXXX  any debt and never received any services from them to pay for. The phones failed to activate because there is no  XXXX  signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back.      XXXX  Account Number :  XXXX  Convergent Account Number :  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 2015-05-12
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

Law Offices of .. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am in the process of purchasing a home through US Bank. I am in a US Bank American Dream Loan which is suppose to help low-income buyers, like myself, obtain a mortgage. This is not what is happening with this loan product. I have been through this program two times and I still do not have a home. I have lost thousand of dollars because the bank does not explain, in details, the full process of the American Dream Loan. They do not tell me that any repairs are over {$4900.00} will turn the loan a rehabilitation loan. They do not tell me that if the amout of repairs over the appaisal value will have to come out of my pocket regardless of whether or not the repairs are under the {$5000.00} mark. They do not tell me the process for the American Dream Loan will take more than three months to complete because you have to find your own licensed contractor to do the work that bank is requiring. Why does n't the bank have a list of contractor who have worked with the program and bank to facilitate an easier process. None of this information was given to me at the time I applied the first time for the loan. It was only after 7 months of trying to purchase a home did US Bank give me this information along the way. Over the course of those 7 months did US Bank reveal to me pertinent information little by little. They are leaving information out to be spread over the entire process and this caused me to waste myr time and my money. I was not able to come up with an additional XXXX % when I had paid for all the prepaids and only had my 3 % down payment. Based on these scenarios, the American Dream Loan is not for low-income buyers. In my opinion and experience with the process, it seems that low-income buyers within the central city do not have a chance XXXX of completing this loan based on the housing condition in the central city. Most low income buyers are unable to get a conventional loan. The large number of affordable homes for myself in the area will need required repairs ( over {$4900.00} ) and these repairs are over the appraisal value ( which most will be ). This is my second time around in this loan program and I still can not get to closing. I just want to close on the property, pay my mortgage and live my life. US Bank should be ashame of leading low-income buyers on with this program while the buyer loses thousands of dollars. This program does not help the low-income buyer nor is the information about process of this program divulged to buyers. The American Dream Loan should be investigated. I am sure I am not the only buyer who is or has gone through this with US Bank

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 2015-07-14
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Representative claimed that they had sent numerous letters, which I had never received. When I told him I wanted debt validation and verification before I spoke with him about anything, he began to use a child version of my name in a very sarcastic and derogatory manner. Then he said if I refused to enter an agreement NOW, he would send letters to my employer about the debt! Now I 'm fully aware this is illegal and I 'm sure he is as well. I started to ask his name but he hung up the phone. I called back at the number but spoke with a woman who apologized for him, which is simply not good enough. I told her I wanted debt validation and verification and if she would give me an address, I would send her a letter asking for exactly what I needed. She never gave me the address and said they would not call again. Later in the day, there was a letter from their collection agency but there was no debt validation, no proof of their legal obligation to collect, no proof of them being legally licensed in the state of Missouri to collect any debts. There was a name of the supposed original creditor but no date and no reason for the debt so I have no idea if it 's mine or if it 's valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Apex Resolution Group LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A gentleman representing Apex Resolution Group named XXXX i believe first contacted my wife stating that I owed XXXX, and that if we did not pay XXXX of it right now, they were going to freeze our bank accounts that night, and put leans on both our vehicles ( which i own XXXX of the vehicles ) He sent a letter to my wife via e-mail stating that they offered us an opportunity to pay for this debt. We never received any type of letter from this group. I called the number back and talked to this gentlemen stating that this was a scam, and we are not paying any type of debt unless he could provide a debt validation. This man has left messages for my mother, my mother in law, and my wife ; all the while not contacting me directly while having my phone number. The next day he had left messages again for my mother, mother in law, and my wife trying to find out where i work. I called back again and was not happy with him, i was very beligerant with him, and he had stated " How do you like getting calls at XXXX on Sunday morning? '' then he then started listing family members all around in XXXX Kentucky stating he was going to call them all. This has started XXXX XXXX 2016, and has escalated fast because i am filing complaints with CFPB and XXXX, and am going to file a police report today. If they can show debt validation or even send me this information in the mail i would be happy to oblige.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.

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 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much time.

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 2016-09-08
Company: Machol & Johannes, LLC
State: WA
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:
Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Date : XXXX/XXXX/16 Description : DEBIT CARD DEBIT WESTERN UNION XXXX CO Ref:XXXX Auth:XXXX PurchDate:XXXX ( Directly from Bank Statement ) I spoke with a representative on XXXX/XXXX/2016 and was advised that WU had no way of tracking the transaction. I say stop lying to WU valued customers. The Ref. # and Auth ; Code along with the dates of the transactions should be enough to track any transaction ( it is the only information provided to the banking institutions ). The Ref. # and Auth XXXX Codes are provided to the Banking Institution and recorded to the customers bank account statement. Once a customer confirms and deny making the transaction WU 's tracking process should allow WU to verify the transaction was processed ( based on Ref. # & Auth ; Codes provided by the customers ) and a refund to the customer should be immediately processed. WU should then follow up with an internal investigation of who, when, where and why was the transaction ever processed. 
I have experienced this very same unauthorized fraudulent transaction before and it need to be immediately corrected. My last experience resulted in several months lost in the use of my funds due to a WU system process error that I am told can only be tracked by a transaction code that was not assigned to these specific type unauthorized fraudulent or suspect transactions. 
There is a glitch in the WU funds transfer system that due to the method or process of tracking based on a tracking code only. The error correction process delay of up to several months is suspect and open to potential illegal employee thief activities. While the injured customer is neglected the use of their personal funds and has no recourse in acquiring an immediate refund or even be compensated for the delay in the refund process. 
WU has a glitch and or a crook functioning in its funds transfer system that needs to corrected and future customers are immediately refunded and compensation to the customer for the delays ( use of funds ) in the refund process wo n't eventually become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: National Credit Adjusters, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am having problems with NATIONAL CREDIT ADJUSTERS , LLC. I had an account that had been late which I understand was my fault. Well it seems that National Credit Adjusters sold this account to XXXX XXXX. XXXX XXXX contacted me and I paid the account in full XX/XX/XXXX. Since then I have file a dispute with XXXX  credit bureau and letters have been written. They keep coming back and saying the file is correct, even with the documentation being attached. They sold this account to summit but they keep reporting it as unpaid. I was told by XXXX  to contact you because they see the payments are made but they can not change anything on my report. Since I brought a house and a car last month ( XX/XX/XXXX-house, XX/XX/XXXX-car ) my interest rates are higher due to National credit adjusters refusal to remove information that is wrong and really doesn't have anything to do with them. As i stated this has been going on since XX/XX/XXXX. XXXX  is sending in another dispute, but the lady told me they most likely will just state its valid and there is nothing I can do. As you will see in the attached documents one dated XX/XX/XXXX, the other dated XX/XX/XXXX that everything is paid completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: IL
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:
Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit ( from looking up the number online, ) has called us 7+ times in the last couple of days, and wh en I finally answered the phone, they asked for some guy named "  XXXX   XXXX   ,  '' whom we have never even heard of, and have had this phone number for  ~17 year s. I had to argue with them that they had the wrong number, and they kept trying to get me to tell them my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   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 non-monetary relief
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU

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 2017-05-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am complaining cause I believe Comenity bank is denying my applications cause of age. I first applied for a  XXXX   XXXX   Visa  and then an  XXXX   XXXX  credit card and they have denied me on both occasions, On the  XXXX  Card they said they could not verify my identity and I have been at my address for years. I am going to attach my drivers license and a selfie of me holding my drivers license and my social security card so they can see its me. This is not fair lending that they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured.     In  one  month mortgage has gone up from {$5200.00} to {$6000.00}

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