BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My existing home loan was transferred to Mr Cooper aka Nationstar Motgage LLC. Despite having both my home insurance and flood insurance policies paid for through my existing Mortgage escrow account. Mr Cooper has managed to lose all information on file from the original loan of who my insurance companies are and claim they have no information on file for either policy. They sent a threatening letter that there is nothing on file and that they would be obtaining an insurance policy for me despite having a fully paid policy in force for the property until XXXX/2021. I didn't ask to have my mortgage transferred so I certainly shouldn't have to waste all my time and effort into insuring they know what the XXXX they are doing. They should not be allowed to purchase new existing accounts if they are this bad at handling the transferring of all information that I didn't ask to initiate in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, XXXX and American Express, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, American Express sent an affidavit to be notarized. These are stall tactics that American Express is using to continue to leave this fraudulent account open in my name. 

Both XXXX and American Express are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX   These are not my accounts and I would like to remove them all thank you.     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 2016-03-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a dispute to Experian, XXXX and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.

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 2020-12-21
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My green card is out of date. I applied for Citizenship back in XXXX 2018. I am 100 % service connected XXXX XXXX year old XXXX XXXX veteran. I have contacted VA. They forwarded my information, which has got me no wheres. I applied for loan and this was the only hold up. As of yet I have not received citizenship. What can I do? 
I have a letter from Homeland Security and Immigration Judge to Immigration give me my certificate of citizenship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: NM
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:
After sending multiple disputes to Equifax, They are just sending replies from the E-Oscar system replies that had nothing to do with the inaccuracies disputed. I demand for Equifax to perform a proper investigation of the accounts attach to this complaint and to remove any non-fcra compliance accounts from my credit report and to provide me with the method of verification according to section 623 what I mean by this I want to see paperwork, names of person spoken to by XXXX  with the account furnisher to prove accuracy on account disputed..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/16 I applied for American Express Platinum card with promotional offer of receiving XXXX MR points after spending {$3000.00} or more using the card within 3 months. I fulfilled the requirements and received XXXX MR points totaling XXXX points on my account. On XXXX/XXXX/16 the XXXX points disappeared from my account. On XXXX/XXXX/16 I have call the customer service, talked to XXXX and been told the account is under review and will receive explanation letter or call from American Express within few days. As of today I did not received any correspondence at all. 
Please investigation this issue and let me know. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Settled these Medical Collections a long time ago. They are still reporting as a paid collection and unpaid collection on my credit. This is in flagrant violation of NCAP and qualifies this account as misrepresented. I have disputed the account before and they continue to report it! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXXXXXX 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 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One plays games. Attached is latest letter from Capital One regarding two cards. It is frustrating because Capital One continually misunderstands and I am now convinced they do not misunderstand but are playing word games. Capital One accuses me of denying ownership of the accounts. I do not. Capital One then goes further by stating my phone number was used to perform maintenance on the accounts. Yes, BUT and I capitalize BUT, the thieves used another phone to make fraudulent payments and Capital One states they do not have records of the phone used to make these payments. So, Capital One states my phone number was used to perform maintenance but refuses to provide the phone numbers used that made fraudulent payments in 2017. 
FURTHERMORE, thieves stole my card, made fraudulent payments, I filed sheriff 's report, Capital One closed the account, then Capital One charged off the account, AND THEN CAPITAL ONE ACKNOWLEDGES THE FRAUD, REDUCES AMOUNT DUE WHEN I CAN NOT PAY A LUMP SUM! In addition to now playing games, Capital One isn't organized. Card amounts should have been reduced long before canceled, charged off, and then sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Financial Credit Service, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: ROYAL UNITED MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I have been an american express card holder for decades. I have been making full payments on time al through my history with them. For past few years, the payments are being made via XXXX XXXX  but have had no issues until past few months. This year, I have had two instances where my payments were supposedly received " late '' by one day by American Express. The first time, they reversed the fees and interest charge but this second round they are refusing to refund the interest charged. I have proof of timely delivery of electronic payment from my bank, on the due date, to american express. It was withdrawn from my account two days prior to the due date. American express claims to have received it a day later and charged me interest on the balance and late fee. I have made multiple requests for interest charge refund, American express has not provided any proof of delayed payment receipt. I also find it petty that they are using some possible electronic glitch to leverage it to charge fees and interest rates to customers. How many other customers are being charged interest rates in this manner for payments are that are not " truly '' late?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04
Company: Roosen, Varchetti & Olivier, PLLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Continental Finance Company, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received an alert that a XXXX card was closed. Also received a letter from them. Called to discuss why. Was told that because I stopped a payment of XXXX last month my account would remain closed until I pay of the entire balance of XXXX but I have been paying them monthly as I was supposed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: Risecredit, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report 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