BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello My name is XXXX XXXX, On XX/XX/XXXX and XXXX 7,000 dollars was stole from my North Carolina unemployment debit card. I filed compaint on the XXXX of XXXX. Today is XX/XX/XXXX and im still havent got my money back. I sent a copy of police report to Bank of America and copy of my I D. B O A refuses to do whats right and give me my money back. OH, This is the good part when I got a copy of my transactions 5,000 and 2,000 was a bank transfer but doesnt show where the money went. Ive called so many times I lost count and they give me the run around. NO compassion at all. This has been going on for 2 months. Thanks for your time. WATCH OUT FOR BOA. My email is XXXX. XXXX is my home phone #.

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 2019-12-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding LLC is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus. No one has provided an original signed contract or any identifying documents such as my ID. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It's not my account. I never applied for it, I have any contracts or agreement with this company.

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 2019-12-30
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On Thursday, XX/XX/2019, I used my XXXX card issued by XXXX XXXX XXXX for the online purchase of clothing from the merchant XXXX XXXX. The amount of the purchase was {$150.00}. Immediately after purchase, I noticed I had ordered two of the same items twice. I emailed XXXX customer service and informed them to remove both duplicate items and refund me accordingly. Upon delivery, I noticed both items where indeed removed from the order, however, no refund was granted only store credit which is unacceptable. I filed a dispute with XXXX for items missing. Secondly, every other item was entirely too small and not the size advertised. On XX/XX/2019, I returned the entire order back to the merchant via XXXX the delivery confirmation number is XXXX. The package was accepted by XXXX so the refund request was attempted, however, unsuccessful. I received an email from the merchant indicating that a Paypal dispute case was opened by XXXX preventing the refund. I have no idea why the bank decided to involve Paypal by attempting to act as a debt collector, however, I did contact Paypal personally and informed them that my debt to them was resolved through bankruptcy. I provided them all supporting documentation. At that point, Paypal has restored my account, however, I'm still routed to collections every time I reach out to them on the status of the claim. To this day, I have not received a refund and all communications with the XXXX as well as Paypal are unresponsive. The merchant is blocked from refunding me as promised, Paypal is not entitled to collect on the debt, and I am out of {$150.00} by XXXX 's decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Corporate card payment remittance from employer to American Express was delayed to due internal payment processes outside of my control and resulted in assessment of fee. Attempt to resolve fee with card provider led to opening of case that was never resolved. Subsequently closed down account though card provider continued to compound fees for underlying charges that were already fully paid by employer over course of 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
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:
Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to XXXX  certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to XXXX  asking their method of verification in " verifying '' the accounts on my report. I also sent letters to XXXX  and Experian certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to XXXX, XXXX, and Experian stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to XXXX  and Experian. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to XXXX  and number XXXX XXXX XXXX XXXX XXXX to Experian. I also sent letters to the collectors that now hold two new  collection accounts that have been placed on my report. I recognize neither, so I inquired for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.

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 2017-12-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Union Home Mortgage Corp
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX I was Contacted By A ( Licensed S. Loan Officer ) By the name : XXXX XXXX in witch he Asserted me that he would be the total point of contact with my loan, And that I qualified if I provided the following Documingtation. A credit report was Pulled. At that time XXXX would constantly communicate with me and all seem legitimate. After the 2nd week. I would never speak with XXXX XXXX again, Only via Email, witch I found very suspicious to begin with. On XX/XX/XXXX I made the attempt to call and find XXXX. Not to be found anywhere. I would call many time and finally, I received a call from XXXX XXXX, in witch he stated a few things I needed addressed on my Appraisal Report. I did all that was needed. three months have passed and I now start to Contact Headquarters at  UnionHomeMortgage. To this day XX/XX/2019 I still have not hear from XXXX XXXX And my loan amount has Increased in amount by adding Rate locks, Creating a larger Loan amount that I originally started. all the Fees are going Up and I now think that this is all done intentionally. I would like to have someone At Union Home Mortgage Contact me direct : XXXX and or have the CFPB look more into this matter. At this point my damages have been substantial. I needed to refi to pay off the Hard Money Loan on property. I now have to start with another Mortgage Company and start the process all over again. New Credit Pull, Appraisal cost, Time, I have to pay an extension fee to the current Lender, Etc. Please Help!! 

thank 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 explanation
Consumer complaint received 2017-07-25
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2012-I filed for Chapter XXXX due to multiple issues. The mortgage on my property was under XXXX. In the Bankruptcy process they sold the mortgage servicing to a company XXXX XXXX  XXXX. My Chapter XXXX is final this month and I am selling the property. Upon Title search, a second mortgage surfaced-This was also through XXXX. This second mortgage did not appear on a credit report nor did it come forward during the Chapter XXXX processing. This company is Real Time Resolutions who is a debt collector that XXXX has assigned this second mortgage collection to and they stated this is an open account and interest has been accruing. XXXX has been underhanded in not coming forward for the Chapter XXXX and I want to further understand how I can move forward against them. I understand they are currently under investigation and I will be starting a lawsuit as now I am losing potential buyers due to the deception of this company. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Omega RMS, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have an American Express credit card. I was three days late making my XXXX payment and they increased my interest rate from 15.24 % to a penalty rate of 29.99 %, and hit me with a {$39.00} late fee on top of that. Since I have a balance of about {$9200.00} this would result in me paying an additional {$1400.00} per year in interest which is three orders of magnitude greater than any harm that Amex may have  suffered by me being three days late paying them. I called their customer service and requested that they reduce the rate back down to the original rate of 15.24 %. The first representative I spoke to was named XXXX, refused to and told that they could do this because it was in the agreement. 
I then asked to speak to her supervisor. Her supervisor was named Mrs. XXXX. She also refused to reduce my interest rate back down to the original 15.24 % and justified it because their account agreement allowed them to do so. I asked her how much me being three days late making my XXXX payment cost American Express. She refused to answer my question. I believe that the cost to Amex of me being three days late paying them was less than XXXX dollars, and they also hit me with a {$39.00} late charge on top of that. So, as far as I can tell they suffered no net harm at all from my being three days late paying them. I asked to invoke their dispute resolution process and Mrs. XXXX claimed that she did not know what I was talking about. 
I also noticed on the CFPB website that credit card companies can only increase interest rates if you are more than 60 days late. I was only three days late in this case. 

Under commercial law the contract clause that Amex relied on to increase my interest rate to 30 % is considered to be a liquidated damages clause. In the case of liquidated damages Amex is only entitled to an amount commensurate with the harm they sustained by me paying them 3 days late. Since interest continues to accrue and they charged me with a {$39.00} late fee on top of increasing my interest rate to 29.99 % they have suffered no ascertainable harm. They have used my misfortune that caused me to be three days late paying them to unjustly and grossly enrich themselves to the tune of about {$1400.00} in addition interest I will have to pay them in the next year, and every year afterward at my current balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Perfection Collection
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

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 2017-07-25
Company: EQUIFAX, INC.
State: MD
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:
Contacted Equifax, XXXX and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received my monthly bill late on X/XX/2017 with a due date of X/XX/2017. My new bill shows an increasing in my interest rate from 27.99 % to 28.24 %. There is no notification why the rate interested. I paid the minimum payment on time for the previous XXXX bill. I tried to contact American Express multiple times at XXXX but the automated system will not give me any information about my account when I enter my account number or forward me to someone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: NY
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 am filing this complaint because experian, XXXX and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation