BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
AARGON VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. SEVERAL UNFAIR, DECEPTIVE AND ABUSIVE PRACTICES, VIOLATING THE F.C.R.A. F.D.CP.A. AND XXXX COUNTS OF THE T.C.P.A. IN THE COMMISSION ODF COLLECTING CONSUMER DEBT.CALL US 2 TIMES AFTER CEASE AND DESIST AND FAILED TO CALL MY LAWYER. called XXXX on cell number. 

SEE ATTACHED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

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 2016-02-16
Company: Flatonia Investments, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: NC
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 has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2022-07-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
So I have been a member of Citibank credit card for close to 3 years I had an instance in XXXX & XXXX where I had fallen behind unfortunately due to loss of income at the household because of covid so I had requested for a payment program to help me catch up I didn't think they would report me late however to the credit bureaus. I have been asking them to no avail if I can pay the amount due on those two statements if they can then update my credit report but no one is willing to help out at all. 

I feel it is unfair that during this difficult times that these credit card companies will not sure any sympathy whatsoever and I have been paying on time ever since and prior to those two months.

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 2022-03-18
Company: WELLS FARGO & COMPANY
State: MN
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/2021 I sent notice to Wells Fargo that I was disputing a transaction on my most recent credit card statement The charge was unauthorized and was for {$150.00} on XX/XX/2021 I recived notice on XX/XX/2021 that Wells Fargo started to investigate the notice and that it would be resolved within 60 days. 

It has now since been 99 days, well past the 60-days Wells Fargo 's policies dictate to resolve these disputes and past the 90-days the Fair Credit Billing Act allows for the creditor ( Wells Fargo ) to resolve said dispute.

I have attempted multiple levels of escalation with Wells Fargo call centers, social media support team and executive customer service, all efforts have failed to remedy the issue.

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 2016-11-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
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 was paid

Complaint:
Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: SinglePoint GI
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
General Revenue Corporation is collecting a debt from XXXX XXXX University which I attended college there. I dropped the class already and did not attend the class ; however, the company is still trying to set me up on collecting the debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a payment refund into my PayPal account on XX/XX/XXXX, attempted to transfer the funds out of Paypal into my external/transactional bank account on XXXX, and received email notice from PayPal on XXXX that the transaction could not go through. On XX/XX/XXXX I messaged with PayPal online to inquire about the issue and the agent advised they would reinitiate the account transfer but I would need to confirm initial deposits in my external account. On XX/XX/XXXX I received notice that the transfers could not be processed. On XX/XX/XXXX I messaged online again requesting a check be sent because I am unable to process a transfer through the account o nline but was told they were unable to send a check. I asked to speak with a manager and they gave me the customer service line. The same day I called customer service and spoke with XXXX who gave me other instructions to withdraw funds from XXXX, however the instructions provided did not work either. I requested to file a dispute and was told they do not have a dispute process. I was told the issue is that I must provide my social security number online in order to set up the account securely, which I am unwilling to do. And because the other options provided did not work, and there are no alternate processes ( ie to send a check to the name and address on account file ), there is no way to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2022 I made a hotel reservation using my points with this Chase Southwest Rewards cc. The cancellation fee of {$35.00} was hidden and could only be seen if you clicked into a blurry hidden " i '' icon. This does make the hotel reservation fully cancellable by XXXX XXXX, 2022 XXXX XXXX. I only saw the {$35.00} fee in an email that was then stated clearly. It should have been stated clearly on the booking website. I had to cancel the hotel bc I booked the wrong hotel given XXXX has several hotels in the same 2 mile radius.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I spoke with Direct Loans to make satisfactory payment arrangements or to go on a payment plan that I could afford. The representative steered me toward forbearance rather than allowing me to make smaller payments or to be placed on a payment plan that I was qualified for due to my income. 
I remained in forbearance until XXXX when I started taking graduate classes. I called Direct Loans again and wanted to make smaller payments to at least cover the interest and asked to not be placed on in-school deferment but was told that I was required to be classified as such since I received a student loan. 
I have recently learned that the practice of steering customers toward forbearance was for the benefit of the corporation and not to help the borrower. Had Direct Loans offered me the payment plan that I was qualified for, I would have been able to make the payments and have those years qualify toward my XXXX XXXX XXXX XXXX program and would be out of debt today.I now have all of my loans consolidated and moved to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, after submitting an inquiry request online, a mortgage lender from AmeriSave Mortgage Corporation called me to discuss refinance options. I was quoted a rate of 2.875 % over 15 years with {$3600.00} in closing costs to refinance my {$97000.00} mortgage. I explained to him that, with my present 3.5 % 30-year mortgage ( 23.5 years left ),  this would not make sense. 

He then proceeded to tell me that I would save about {$40000.00} by refinancing. I calculated it in XXXX and and told him that I would only save {$850.00} in payments paying over 15 years ( I could pay {$690.00} over 180 months to pay off my current mortgage, while my payment with closing costs bundled in the new mortgage would be {$680.00}, a difference of {$4.00} or {$850.00} in nominal terms ). Even looking at the life of loan payment total for my remaining existing mortgage vs. the refinance being offered, I would only save {$18000.00} in nominal dollars ( and that's paying my current mortgage over the remaining 23.5 years vs. paying the refinance in 15 years ). 

In addition to belittling me and telling me that I should trust him since he's the loan officer and I'm the consumer ( even though I'm a former XXXXXXXX with an inactive XXXX license  and current XXXX XXXXXXXX XXXX at a XXXX   XXXX XXXX with nearly 13 years of total professional experience ), he was flat our wrong and overstated my true saving by more than 40x what it would be! My concern is that he could deceive those who are not as financially savvy into refinancing based upon falsely-calculated savings in an effort to increase his closing rate.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had an inquiry with a hard hit while I had a credit freeze. A supervisor at transunuon said they allow some companies to do this. I wanted to file fraud on it and was told I could not.

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