BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I tool out a private loan with ASFG when starting XXXX college. They closed their doors before I finished school. I do n't believe I should have to repay when I have n't finished my education. I am getting harassing calls. It needs to be stopped. Of other students are getting their loans wiped, I believe money should be tok.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$4000.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$4000.00} when in fact, {$3000.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, 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 explanation
Consumer complaint received 2020-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a Cares Act Grant for {$5000.00} which was mailed directly to SPS Mortgage in Utah by XXXX XXXX XXXX in Florida with my name and account number on the check. This was mailed XXXX and would have covered 2 home payments. I have sent copies of the award letter and the paid receipt the date it was mailed to SPS. I still have not seen the payments posted on my mortgage for XXXX and XX/XX/XXXX. I have called three times and the customer service staff will not put me into a cue to talk to someone who has the ability to search by my name or amount of the check being deposited in a holding account. They refuse to do the research until I provide more details, which have been requested on XX/XX/XXXX with XXXX XXXXXXXX XXXX office in Florida. There is a escalation in process to provide details, but in the meantime SPS should do their part and look for the check also. Thank you, XXXX XXXX XXXX SPSXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone XXXX Loan # XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Was walking to my gate in XXXX XXXX when was approached by a sales rep for Delta Amex cards. He asked if I already had a card said yes ( Gold card ) and he proceeded to try to upgrade me to the Platinum card. I waffled because I told him I had literally just paid my annual fee on the Gold card and one of his selling points was that the fee for the first year for the Platinum card was going to be only {$95.00} and then {$190.00} annually after that. Just received my first bill and lo and behold not only was my card not upgraded it was an entirely new account and I was charged {$190.00} for my annual fee. I have called the company on XX/XX/XXXX and today XX/XX/XXXX. I filed a complaint with Amex on XX/XX/XXXX about the false advertising and for my troubles was told they would issue me a {$40.00} credit which would post to my account within 48 hours. I checked today and the {$40.00} has not posted and is not pending so I called Amex again, spent another hour on the phone just to be told they need to investigate the first complaint because they are not showing I was to receive {$40.00} credit. My complaint is obvious false and deceptive advertising on the part of Delta Amex. Not only was I immediately charged the {$190.00} when I was told it would be {$95.00}, I have not been credited back my pro-rated portion on my Gold card fee ( cancelled that card back in XX/XX/XXXX ) and was told I would not receive my Companion Ticket which is supposed to be issued upon invoice on the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: Skrill USA, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had a {$1000.00} transaction done on Skrill Inc using their app for international transfer on XXXX XXXX. The transaction was cancelled and my account was closed immediately by Skrill, but the amount was deducted from my account on XXXX. No explanation was given nor did I have an option to appeal as I believe I had not violated any policy. After reaching out for the reason, I was provided with a copy of their faq. After following up multiple times for the refund, they told me a different story every time. First I was told 5 days, then 7 days and finally, they say they can not provide any estimates on refunds. I have no clue if the amount will ever be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a debit with XXXX however they are in the XXXX and called my all diferent times a day and night even at XXXX. they turned account over to collection company who does the same thing even calls me on sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We closed with XXXX on XXXX XX/XX/2019 and our loan was to be paid off, but there was a delay on the part of XXXX  who was the wiring agent. they held up the payment to Flagstar which made us appear to be delinquent in our payment. I am including the letter that was sent explaining what happened and was CC 'd to all of the credit agencies.

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 2016-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: CU Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019,XX/XX/XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2016-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday XXXX XXXX at XXXX. I deposited XXXX cash in the atm at First Niagara Bank in XXXX XXXX, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me XXXX NSF fees. I deposited XXXX cash into my other account at the same time. and I also got an NSF fee for that account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Caliber Home Loans, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent an RFI to Caliber on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to Caliber on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to Caliber along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Offices of Stein and Meyer
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I became ill in a few years ago and had to take off work. Eventually, I had to file for bankruptcy by XXXX XXXX. PRA Receivables Management , LLC aka " Portfolio Recovery Associates , LLC was XXXX of my creditors to file a claim for payment. This payment was for an automobile, XXXX Chrysler Pacifica. The scheduled amount of the vehicle was {$15000.00}. The collateral value was {$9000.00}. This amount was satisfied through the bankruptcy by XXXX XXXX, XXXX including the interest amount of {$530.00}. The total sum of {$9.00}, XXXX. Additionally, this company filed for an unsecured payment of {$7.00}. In which, I have paid {$2700.00} of the unsecured amount. 

Last week, I decided to voluntarily dismiss my bankruptcy case and was advised to call the collection agency ( Portfolio Recovery Associates , LLC ) to request my vehicle title because the amount of collateral value for the vehicle had been satisfied. I spoke with XXXX young men. The XXXX person I spoke with was named XXXX and the XXXX person 's name was XXXX. 

I asked if i could obtain my vehicle title ...? He stated that " if I decided to dismiss my bankruptcy case I would still have to pay the unsecured debt or they would come and repossess my vehicle without any warning. '' Furthermore, I explained to XXXX that the vehicle had been involved in an accident from some guys robbing a jewelry store and fleeing from the police. They had been caught, but had no means to repair my vehicle. I was not willing to charge the damage to my insurance company because it would cause my monthly insurance payments to increase. I also told him that the vehicle had been inoperable most of the time over the last four years. He stated that the value of the vehicle was not much due to the condition and other circumstances that involved the body of the automobile. Nevertheless, he was adamant about me paying more money although the vehicle was not worth what the company was asking me to continue paying. I explained that I was not satisfied with his explanation and wanted to escalate my call to his superior. 

A man named XXXX came on the line and basically stated the same thing, but worded his remarks a little differently. Again, I expressed my lack of satisfaction in dealing this company trying to retrieve my vehicle title. I explained to XXXX that I did not think I would get any resolve by trying to directly communicate with management of this business and I was going to seek outside intervention to assist me in resolving my dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: NY
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:
i filed a dispute several months ago and i have not received any correspondence regarding the dispute of a debit card transaction dated XX/XX/2020 in the amount of {$29.00} from a vendor named XXXX  XXXX. The bank has not resolved this issue and unable to see any progress on the case when i call. Case number is 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