BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.

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 2015-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
First of all I never received anything in regards to this debt, it just magically appeared on my credit report. I have tried to contact Midland Funding , LLC numerous times to get them to fix some inaccuracies they are reporting across the XXXX credit bureaus. I sent a direct dispute on XXXX/XXXX/2015 which I never received a response to, then sent another one on XX/XX/2015. I contacted Midland Funding , LLC and spoke with someone who was clearly only reading from a script who told me they sent out a response to my direct dispute dated XX/XX/2015 on XX/XX/2015, which I have yet to receive. The main issue that I have with them is that on my Equifax report they are reporting as the ORIGINAL CREDITOR. On XXXX and XXXX they are reporting correcting, that they are a debt collector collecting for the Original Creditor XXXX. I 've noticed a lot of people have the same problems with Midland Funding , LLC. Everyone I have spoken with at their offices calls me a criminal and one of them even used curse words at me. This is not an acceptable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/2016 we stayed at a XXXX in XXXX UT and used our American Express Bluebird card to pay for the room. As per normal they held funds to cover the transaction then charged the funds, but they never released the " hold ''. When I called the XXXX they informed me that they did not do automatic releases and it would be up to my financial institution to release the funds. I called American Express and was told that they could not release the funds either, it was n't their " policy ''. So-XXXX will not do an auto release, even though they have been paid, and American Express will not release because it is not " their policy ''. So who has my {$88.00} and who is responsible for returning these funds to me? It has been nearly XXXX weeks and someone still has my {$88.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: ENCORE CAPITAL GROUP INC.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continuously receive calls at home, work, and on my cell from Midland Credit Management ( MCM ) for a debt that they can not verify is mine. They call from XXXX at least XXXX10 times a day including Sundays. I have told them that the debt they have listed is not mine or was paid a long time ago. It 's from 2007 on my credit report. They can not provide me proper proof that this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I payed off my student loan to XXXX XXXX in 2014. I received confirmation from XXXX XXXX my loans were paid off. I now received a new set of payments from Navient 2 years afterwards that I still owe on interest. This is completely unfair and absurd to be receiving this bill 2 years after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage paid the wrong amount for our flood Insurance. The difference in the cost was $ XXXX year. The first time I called the representative lied to me about them getting the same copy of the bill as I got. My insurance provider told me that, " No they got a copy of the same bill. '' After a few phone calls PHH paid the {$17.00}. The {$17.00} was for {$7800.00} in more coverage. Because their paper work is always behind they sent me a bill to make up the {$7800.00} difference with another insurance company called XXXX XXXX XXXX XXXX. Their rate for the {$7800.00} was {$70.00} per year. That is almost 4 times what should have been paid. I found an article on your website dated XXXX 2014 about them getting Kickbacks on Mortgage Insurance. I am concerned that they may be now trying to make money off of Flood Insurance. 
Their Book Keeping is terrible. Their corespondence is also terrible. Their letters have dates that are 5 to 8 days earlier than the post mark date on the envelop. So where did the letter sit for all of those days? Are they making money off their innepness? 
They will only take mortgage payment electronically. Every other payment has to be sent by mail. Then the posting date is again a day or two later. It seems that one department does n't communicate with the others very well. I have been passed from one department to another during a single phone call. Then they argue with the information I got from the other department. They seem to lag behind each other with current information. All this seems to me like they are purposely slow to make a profit off of their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.

Company response to consumer: Closed
Consumer complaint received 2017-03-26
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I filed case number XXXX - XXXX on XXXX/XXXX/16. The outcome was timely, HOWEVER, because HSBC purposely took 5+ mo on a task they stated would take " UP TO '' 90 days, my buyer backed out & no longer wants my property, in addition I now owe my lawyer over {$1600.00} in fee 's & also almost {$6000.00} in taxes & maintenance fee 's ( that my lawyer pd on my behalf ) but only because my buyer had agreed to pay them in addition to my asking price. This sale was not lost because of an oversight 15+ yrs ago, it was a direct result of HSBC 's negligence, to handle my request in a timely manner as they had indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
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:
This is another complaint against Midland as I received NO validation in XXXX as stated in the first complaint Subject : Your submission, [ Case number : XXXX ] I would like validation initial signed contract, list of charges, payments made etc on this debt which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a house with XXXX Mortgage in XXXX. In XXXX of XXXX, I started a PMI or mortgage insurance removal request with XXXX because the equity in the house had reach the threshold for PMI removal at 20 %. I preceded with XXXX instructions and provided a written letter along with a " reappraisal '' fee. In XXXX of XXXX, appraisal agent came to the house and appraised the property. 

In XXXX of XXXX, XXXX sent a letter to me informing me that they had sold my mortgage to Freedom Mortgage, beginning XX/XX/XXXX. I called and talked with XXXX weekly throughout XXXX, hoping to have the PMI removed before XX/XX/XXXX. By the last days of XXXX, it did not look like XXXX Mortgage would complete the request. 

In XXXX of XXXX, Freedom Mortgage took over the loan. I preceded to call and ask about the progress of my PMI removal. On XX/XX/XXXX, Freedom Mortgage called to say that the request was denied and that I did not meet their LTV ratio. The loan has over 25 % equity or LTV ratio, so this finding seems false. Freedom Mortgage 's own website states that PMI removal can be requested at 20 %. 

Please advise and assist. 

Best,

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 2015-07-25
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had taken a loan out with XXXX finance XX/XX/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an {$7000.00} loan has turned into an XXXX debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. 
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CONTINENTAL MORTGAGE BANKERS
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed by my new direct lender per the credit report he received that the previous mortgage company ( Financial Equities ) had pulled by credit 36 times with at least 3 hard inquiries since XXXX 2017 resulting in damage to my credit report and score. I did not authorize all of these separate pulls and feel this was done so inappropriately.

Company response to consumer: Closed with explanation