BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit holds several accounts under my name. They have re-aged each of them on my credit file. All of these accounts were first reported delinquent in 2009. Midland Credit has purposely re-aged the accounts to cause them to remain on my credit file for longer than the seven year limit in violation of Federal Law. I sent them a letter listing all these accounts and they have refused to provide me with correct information verifying the debt and date of delinquency. I have listed all of the accounts in a letter that I sent to Midland, attached hereto. They sent me a letter in XXXX saying they needed more information but I only have the information on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: Resurgent Capital Services L.P.
State: TN
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 have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at 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 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2016-02-22
Company: SQUARETWO FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them

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 2016-08-09
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
my situation is rather strane but i have been a victim of identity theft someone was able to get my account information and use some type of replica card to withdraw funds out of my account from atm machine in the city of round rock and XXXX, Texas i have made multiple police reports signed affidavits, sent revital letters and also verification that i was a work the time this incident occured was XXXX. central time and i was at work in XXXX, Texas the person ( s ) were able to draft over {$1400.00} dollars out of my account .i have gotten nowhere with this institution because they are not doing a proper investigation on there end everything they have asked me to sumbit has been given to them they told me funds will be avail to me XXXX/XXXX/XXXX i was waiting for that day just to just call and be told my case was declined bc it was a atm transaction which i told them originally and they also knew and was able to stop and refund XXXX draft ... since this incident i have yet to recive anything in writing on top of all of this madness i have been a custimer since XX/XX/XXXX and have had my direct deposit setup i have now reopened the claim and waiting XXXX. This company is horrible they over talk me everytime i call and this issue seems to just keep going in circles my nxt steps will be legal action if i cant get the to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My payroll check is deposited on this card weekly. I was informed by Rushcard that system updates would take place on Monday at XXXX. It is Friday at XXXX. I have no access to my funds. I can not withdraw or make purchases with my card. My money is being held hostage. 1 day maybe, but XXXX. We have rights. This cant be legal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: VA
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 have submitted three letters to Equifax asking them to remove account XXXX XXXX from my credit report. This account is an Unknown Account and has no Account Number no contact information and is missing other info. This account is reporting inaccurately and needs to be removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After checking my credit reports I noticed a debt collection from Convergent Outsourcing , INC . I have written to this company for them to supply me validation of said debt. I received a bill. I have never had a contract with this company. I wrote to them again about this matter and have received no response.

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 2015-10-20
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a consolidated loan through ACS Education Services. We have submitted on 2 different occasions applications for the federal Teacher Loan Forgiveness program. I had also submitted a different loan forgiveness application to XXXX and my application was immediately accepted and the loan was forgiven. ACS Education Services is continually coming up with different reasons to reject our loan forgiveness for reasons like " the signature dates by the Chief Administrative Officer and myself were not on the same date ''. Considering they have rejected my application once again, it 's the middle of the summer and I do n't see my boss for another month or 2. It seems quite obvious they either want me to give up on this process so they can keep collecting interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: MO
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:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

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 2016-12-08
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

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
Consumer complaint received 2016-11-17
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland funding notified me that through XXXX, that they attempting to sue me for a debt that they dont own and that is past the statue of limitations. They have misrepresented the account with false affidavits and lied to me about it being restarted as far as the clock. They have been unable to verify that they are the owners of the debt, show proof of a card/account statement, how amount was calculated, nor have an agreement. They are reporting and listing the account wrong on my credit report with updating it as late monthly with a high credit amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation