BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have been a customer of American Express for over almost 30 years and i just noticed that I have a 30 day late payment reported to the credit agencies from XXXX ' 2012. I have never missed a payment from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File XXXX It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-08-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Creditor sued me and served/posted the documentation for the court date at the wrong address. When I contacted them to speak with them about the issue, I was told there was nothing I could do. They have been collecting from me for four years and did not stop after the consent decree was entered

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Sarma
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When I requested for a credit report and score to know where I stand but nothing is showing up like I am deceased. I attempted to get the XXXX report but is showing no score at all, even the FIDC score as well. I recently requested for XXXX reports from Transunion and XXXX but it said they could not pull up a credit report. I find that very odd and that explains why my requests for loans were denied repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX CARD XXXX Balance : {$0.00} XXXX  XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good evening I dont know what to do in my situation chase bank closed my account and dont wan na say what they close and what happened I do XXXX business in California and my customer pay me down payment online payment XXXX because more easy to transfer and money available same minute I dont need spend gas and time for pick up check and do deposit for last year I have couple big projects over XXXX each I dont do nothing not illegal for closing my business and personal account I feel not right block me I just try to work hard and support my family in XXXX please who read this help me found answers why Im in blacklist and please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: Emergent Business Group, Inc.
State: OR
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:
Emergent Servicing contacted me via email on XX/XX/22 regarding an alleged debt to XXXX Shortly after receiving this email, I sent a written letter via first-class mail disputing the debt and requesting additional information regarding the alleged debt. Emergent Servicing has failed to respond to my request yet continues to send attempts to collect the disputed debt ( see the latest email from XX/XX/22 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: ZINC Financial, Inc.,
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.

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 2022-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have many fraud accounts on my credit that aren't mine I don't ever bank and they're all from capital one and that isn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I am not allowed to apply for credit cards with American Express. 

In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from XXXX jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. 

Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary income ( no more commission ) of XXXX a year plus XXXX in bonus income and another XXXX in deferred executive compensation. I have very little debt. 

I merely want to be able to apply for another American Express card. I do n't want any special qualifications. Accordingly, if I qualify on my current credit report and income, I want to be able to receive the card. If my current credit does n't qualify me, that 's fine. I just want an opportunity to fully apply and receive a decision. 

It is important to note that I recently filled out an application online and clicked " submit '' indicating that my application was being sent to American Express. I received a note that they would not consider my application ; however, I did not receive an adverse action notice as required by regulation B, 12 CFR 1002.9. Reading the disclosures I had to read when submitting the application, it was clear that I actually submitted and application that should have received an adverse action notice. 

Please just allow me to submit an application for credit and provide me an adverse action notice if I do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: BB&T CORPORATION
State: VA
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 have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # XXXX. XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # XXXX.has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency

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