BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I reached out to a travel agency online known as XXXX to purchase 3 tickets to XXXX. Due to Covid getting worse I though it would be best to change the dates from XX/XX/XXXX to alter date but when I reached out to the agency via e-mail to do so I received no response. I tried calling them as well and the phone number listed in the confirmation e-mail I received is not in service. Due to these red flags I tried looking up the eticket numbers from the confirmation e-mail I received with the airlines listed in the email and found out the ticket numbers are fake my trip does not exist. I reached out to American Express immediately to dispute the charge and get my money back so I can book directly with an airline company myself on XX/XX/XXXX. I even submitted screenshots showing the eticket numbers from the confirmation e-mail does not exist with the airlines the travel agency falsely claimed to book my tickets through. The travel agency sent American Express the same falsified confirmation e-mail they sent me with the same e-ticket numbers that does not eco and I sent them proof it does not exist. American Express stated regardless of my proof that the tickets does not exist and this was clearly fraud since they submitted something they have to re-charge my account. Completely baffled I re-opened the dispute 2 more times for the same lack of result for a clear display of fraud from the travel agency side. On the third dispute made American Express re-charged me TWICE for the same dispute amount {$940.00} sending my account balance from positive {$450.00} credit limit to negative XXXX and change. I had no reason to be re-charged this disputed amount and much less twice!!! I submitted a billing inquiry only for them to tell me to review my statement that shows what I already know and told them. They did not resolve my dispute and then they re-charged my account TWICE for the same dispute and refuse to fix their mistake as well!!! Im beyond upset and at this point if this is not resolved Im filing a police report for fraud against both American Express and XXXX and if this isnt resolved Im filing a lawsuit for fraud to both as well, American Express had no right to bill me twice for one single disputed amount. Ive attached a screenshot of my last statement showing where the morons charged me twice for the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CAVALRY INVESTMENTS, LLC
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I was charged on my debit card {$73.00} by XXXX XXXX for an order that I called XXXX XXXX customer service and cancelled that same day ( on XX/XX/2020 ). Which I confirmed WAS within their 7 day cancellation policy for full refund. When I called and spoke with merchant ( XXXX XXXX  ) again on XX/XX/2020 ( 7 days later ) to inquire why I havent received refund? XXXX XXXX customer service said it can take up to 5 business days to see credit. I waited and called again on XX/XX/2020 ( 15 business since order date ) and was told they issued credit/refund to me and if I didnt receive funds then I needed to contact my card issuer. So, I contacted Simple Bank and was told I needed to submit a dispute form which was submitted ( and confirmed receipt of dispute form ) on XX/XX/2020. Ive contacted Simple bank a total of 17 times asking for update and inquiring why I havent receive my provisional credit per efta federal law after the initial 10 days?! Most frustrating, when I call I can only have the customer service rep send an email to dispute investigator, no contact phone number. Or when Ive sent 13 emails with a total of only 2 reply responds that state the same response sometimes it can take up to 90 days to get a finalized investigation conclusion. Ok well its been over 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived or had any service at company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX usaa had informed me that they had given my loan to a different company, this was done without my consent. In mid XXXX usaa sent me a demand letter wanting over {$4200.00} or they would repossess my vehicle. They were trying to tell me how this was a good thing and theyd wipe all bad reporting on my credit report if I paid them. I called to pay and usaa was now demanding {$4900.00}, usaa was not flexible with the amount. I paid and USAA has yet to fix any credit errors. Usaa has been nothing short of deceitful, your agency has fined them and you need to look into them again. They prey on and hurt veterans. They make unreasonable demands and dont hold their end up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Bonneville Collections continues to collect on an XXXX account that has been reported as fraud. Bonneville Collections continues to verify their account on my XXXX report. It needs to be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Complaint : ( XXXX Bank XXXX XXXX XXXX XXXX Bank account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX Bank XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX, Transunion, and XXXX XXXX must remove XXXX information reporting from and relating to ( XXXX Bank XXXX ) including third party debt collection accounts associated with ( XXXX Bank XXXX ) because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: United Shore Financial Services, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the FHA XXXX  Refinancing process with XXXX  XXXX  in XX/XX/2020, and I was informed the process would be approved XX/XX/2020, with an interest rate of 2.9 % ; and I would skip the XXXX mortgage payment. On XX/XX/XXXX I received an email from XXXX, XXXX Representative informing me that I would have to make the XXXX mortgage payment. At that time, I had to pay late fees because the payment exceeded the XXXX grace period. I was then informed my refinance would be approved for XXXX XXXX it was not ) and then XXXX ( it was not ). Due to the mishandling of my refinancing I received two late fees and now the inability to do a FHA XXXX XXXX and my credit score drop substantially, which hinders my ability to refinance for the next six months to a year. This situation has placed me in financial hardship and I need resolution. I have text messages and emails to substantiate everything I've listed. I would like to place a FORMAL complaint against XXXX. I have a wonderful credit history prior to this process. The way my case was handle was unprofessional and has caused stress in my household. We are already dealing with a pandemic and this has truly taken me over the edge. I am requesting your immediate attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Portfolio Recovery Associates LLC to answer why they have continuously sent letters stating that I have a debt with them for over {$8000.00}. I never signed a contract with them. I ask for a signed contract with my signature to validate said debt. They sent me a letter with a creditors name, account number, and balance. There was no substantial information provided to me to validate this claim that I owe them for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: ORG GC GP Buyer, LLC
State: VA
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:
I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.

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 2022-03-15
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed my credit card balance of XXXX to comenity on XXXX XXXX payment in full. Finally on XX/XX/XXXX my online profile showed my payment updated and that my balance was XXXX. A day or so after I went to delete my profile and noticed a XXXX late fee plus XXXX minimum interest fee being applied. I called customer service who first tried telling me that I had paid on line and that my payment was late but of course I had mailed in a money order. I was placed on hold forever, then the rep comes back and informs me per his supervisor my payment came in late on the XXXX. First it wouldn't have taken that long for the mail to have reached them. Secondly if this business is receiving mail that late in the day show me the envelope with the post mark. Also, my online profile shows where this company indicates a late fee on the XXXX on this acct and the due date isn't until the XXXX. I have my screen prints from my on line XXXX XXXX showing where my payment on the XXXX ( my due date ) was updated reflecting payment received on the XXXX. Also, I have a screenshot showing where this company applied the XXXX late fee on the XXXX prior to my due date of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
I asked for a credit line increase and is was denied. Best Buy credit card services canceled my credit card ( and that was fine ) and then charged me a annual fee of {$59.00} + intrest {$2.00} after the credit card was canceled.

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 monetary relief
Consumer complaint received 2020-03-07
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went to their web NCTUE to freeze my utility credit report, I went through the whole process, I froze my credit report, and their web site did not provide me with the pin number that allows me to unfreeze or refreeze my credit report. 
I talked to one of the representatives after this failed, by phone, and she gave me instructions that I needed to mail in a copy of my social security card and drivers license along with my contact information, requesting that they send me my pin number by USPS mail. 
I sent the information in as well as applied tracking at the post office to confirm that they received my request, I checked several days later on the USPS website I received confirmation from the USPS website that my letter was received by NCTUE. That was on XX/XX/2020, since I haven't received the pin number requested via USPS mail and can not reach them by phone I'm making a complaint. 
It's impossible to reach to reach a human being, that their phone tree is convoluted, and ultimately hangs up on you instead of connecting you to a person who can help or provide the needed information. 
As of XX/XX/2020, The company in question responded to my first complaint from CFPB. They claimed they were going to send the requested pin number via USPS but sent the information to the wrong address and person. They can't seem to handle the most basic of requests. I feel like my credit information is being held captive. Their customer support personal ask the most vague, broad, convoluted questions, in an attempt to verify your identity over the phone, that no one would know the answer to. It is an exercise in the absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
I paid off Best Buy Credit Card and was awaiting a refund of balance. 
This was in XXXX it is now XXXX, and have n't received refund but I have had the run away and told I gotten the refunded when I called with my bank on a recorded line stating they put it in the wrong account and it was not the account I stated. 
It 's now XXXX/XXXX/16 still no refunded, transfer to this dept. and hung up on another, promise to get this done in 10 days and still nothing. 
Best Buy/Citi-Group can never get me as a customer again because I know my bank account # and I repeated it several times only to get my refund sent to the wrong account and Best Buy customer service only tells me its was sent to you and closed it. Cause apparently I do n't know my " Bank Account ''!! Done!! Complaint filed!

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 monetary relief
Consumer complaint received 2022-09-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On behalf of a client, I submitted a Request for Information under 12 C.F.R. 1024.36 to PHH Mortgage in XX/XX/2022 requesting a payment history, all loan modifications, and all operative loan agreements for the account. I included an authorization to request documents from PHH signed by my client. I sent this request to PHH 's designated RFI address. PHH responded with only copies of two loan modifications, but no payment history. 

I submitted a second Request for Information under 12 C.F.R. 1024.36 to PHH in XX/XX/2022 requesting a payment history on the account. I know that PHH received the RFI, because I received a return receipt for the RFI dated XX/XX/2022. PHH is required by law to respond within 30 days. However, I have still not received the requested payment history from PHH.

Company response to consumer: Closed with explanation