BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is my second complaint Against midland with no resolution on account number XXXX. I have pulled my credit reports again due to another alert. Again the midland account has updated a collection as an open collection account on my credit report bringing it current. I 'm beginning to think Midland is now intentionally causing harm to my credit as it has changed numerous of times over the course of the last 8 months. I have disputed and disputed this only to comeback verified as reporting correctly when it 's not reporting correctly. Its showing a payment history up until XX/XX/2016, Showing an updated date of XXXX/XXXX/2016, the account shows open, when in fact it 's not an open collection account.. I am requesting a formal verification of accuracy or have the tradeline completely deleted from my CR. 
I believe this is in direct retaliation due to the disputes and the current XXXX Settlement Case No. XXXX XXXX. The FRCA has guidelines in place that if an account is reporting incorrectly that it must be corrected or deleted according to the metro XXXX CRA reporting guidelines. Midland is shifting the blame once again on the CRA 's and I have submitted proof after proof that it is reporting incorrectly and keeps reporting incorrectly. So either midland is intentionally reporting it, or the CRA is intentionally reporting it incorrectly. I am bringing it again to midlands attention and the FCRA that it is in fact reporting incorrectly. and it should be deleted. This screen shot is directly from the dispute page of XXXX. I 'm not disputing it again through XXXX. I need this taken care of ASAP please. I have talked with the CRA 's and they have told me the only way to have it corrected or deleted is by midland doing it. They can not change and or delete the account without the consent of midland. So I 'm bringing it to the CFPB to help with the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.

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 2015-12-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
Received a prepaid card and was unable to use it. The funds expired and American Express will not re-issue the card or provide me the funds. 

In their minds it is a rewards card, but that seems like a way to simply skirt the CARD act and not follow it, and look after the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
3 inquires listed on my Trans Union credit report were removed and placed back on my credit report without any notification to the consumer ( me ). This is against the law and illegal. I called Trans Union on Monday, XXXX XXXX and spoke to a representative who confirmed the inquiries were removed and replaced back on. He said these 3 inquires will be removed. I told him I wanted the statement in writing, he said he could not do that since this is a system glitch issue. I stated if these inquiries were not removed from my credit report due to Trans Union violating the law and my rights as a consumer, by Monday XX/XX/XXXX/2017, that I will be making a complaint to the CFPB to have them removed promptly. Again, this is against the law deleting and replacing inquires that potentially pose as negative information on a credit report and those such inquiries were listed back on my credit report without any notification. I found out these inquiries were removed and replaced twice - the first time between the week of XX/XX/XXXX/2017 & the second time the week after ( XX/XX/XXXX/2017 ). I was able to find this info due to a credit monitoring service that I consistently use that updates weekly on Mondays. Please remove these inquiries promptly as I was told they would be removed over the phone and this was never done. Thank you. 
( See attached spreadsheet for listed inquiries ).

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 2016-08-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I applied the American Express Platinum card and paid {$450.00} annual fees with XXXX points bonus reward after I spending {$3000.00} or more within 3 months. I did spend about {$3000.00} in XXXX and got XXXX bonus reward. In addition, I spent another {$160.00} in travel and American Express credited during 3 months period these money back to account so the total purchase was still about {$3000.00}. However on XXXX XXXX, 2016 they took away my XXXX bonus points which they called " Point Adjustment ''. I chat with American Express online on same date and he and his supervisor told me they subtract the money which I got credit so the amount was below {$3000.00}. I explained to them American Express already subtract this money which was additional purchase nothing to do with my total purchase {$3000.00}. They acknowledged that I am correct and gave me the XXXX which is American Express Reward team. On XXXX/XXXX/16 I called Reward center around XXXX AM and the person I talked with put me on hold and looked over my information and came back told me he did know see anything in my case they should not take away my bonus reward and he also said this in unusual case and opened the case for me.and told me that someone from American Express will call me in 2-3 days. I was waiting but no phone call. On Wednesday XXXX I called back and asking what happen and why nobody contacts me. She told me it seems they have big issues with these cases so it would take a while and filed the complaint to headquarter for me and gave the case number and assured me someone will call. Today I still do not hear anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!

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 2017-10-12
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.

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 2017-10-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2017-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX issues with the servicing of my loan by Wells Fargo Mortgage. I would first note that I am in XXXX right now due to a family illness and my mail had been forwarded from my home in XXXX to my son 's home in XXXX for the last few months. 
1 ) Late application of payment without notification. 
a. I had a monthly payment change for the XX/XX/XXXX payment from {$920.00} to {$1000.00}. 
b. I have payments automatically sent from my B of A checking account in the amount of {$1000.00} per month. 
c. The received they {$1000.00} on XX/XX/XXXX and put the funds in unapplied. 
d. I received no notification of this application and find no notification of the monthly payment change due to escrow analysis. 
e. I became aware of this when I XXXX on to their site to get information for my income taxes. Seeing the payment was not applied I called them on XX/XX/XXXX. 
f. I explained my issue of the unapplied funds, lack of notification and requested a copy of any communication regarding the escrow change or the fact my payment was not processed for such a small differential. In addition, I advised that I wanted a corrected XXXX reflecting XXXX payments of interest. The interest portion of the XX/XX/XXXX payment is for the interest for XX/XX/XXXX as mortgage interest is in arrears. 
g. To date I have received nothing but promises and delays. 
2 ) Interest rate change a. I received a notice of interest rate change dated XX/XX/XXXX around XX/XX/XXXX. It was forwarded from my home in Florida. 
b. The interest rate change is for XX/XX/XXXX with a payment change as of XXXX. 
c. To lessen the minimum monthly payment on the loan I contacted Wells Fargo on XX/XX/XXXX about paying down the balance prior to the interest rate change date. I was advised that someone would research it and get back to me I XXXX days. 
d. XXXX I was told that I was " eligible for a recast '' but the pay down had to be at least XXXX which is more than I want to pay down. 
e. I advised them that this was not a recast, it was a pay down prior to the affective change date. They disagreed. 

Please note that in both of the above cases I informed the Wells Fargo personnel that I am retired but had managed mortgage servicing for XXXX years, I had a copy of the XXXX XXXX, rider and deed in front of me as well as the FNMA XXXX and see no reason they can not do as I asked. In particular the pay down issue. 
Note that the property address of XXXX, XXXX RI is different from my mailing address of XXXX, XXXX Fl 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 2015-08-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I had a balance of {$700.00} and made a payment of {$200.00} bring me a balance of {$590.00}? Being I do not use the card I was skeptic. I filled a online dispute with American Express. The only complaint I could make, XXXX Billing dispute ) was that I did not make this payment. I realized this was the wrong dispute being I did make the payment and contacted customer service right away. I was explained the details of the {$590.00} and excepted the explanation. I asked to have the online dispute closed and was told that the online dispute was closed. However, my balance is now {$790.00} and I do not use the card. I called American Express for help and was told that {$200.00} was being sent to my checking account without my consent and was being charged {$200.00}. I contacted my checking account and no money has been received from American Express. American Express says it will take 7days for the money to show up in my checking account. What STRESS.

Company response to consumer: Closed with explanation