BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Other

Complaint:
This has been a 3 month issue and after three attempts to to resolve the issue in the most conservative manner possible I am not sure what else to do. I have been repeatedly told contradicting information by American Express, the individuals I have spoken with over the phone and online continually misrepresent what I need to do to get the issue resolved, they refuse to escalate the issue and find out why I am continually getting the run around. They state each time I inquire that they will reach out to me if there is any need for clarification and when they resolve the issue they will call or email me. I have never been contacted via email or phone and my attempts for clarification are met with indifference. The best they have done is to send me vague letters saying they side with the repair shop. 

XX/XX/XXXX I payed for auto repairs with my American Express card. The company that I had do the work damaged my car making it unsafe to drive ( randomly stalls, suspension improperly installed causes altered handling, and the exhaust was not installed correctly and has a loud exhaust leak ) and did not return my car on time so I filed a complaint with American Express to pull back the funds. They said that I need to provide documentation from a third party mechanic showing that the work was not done correctly and then they would pull the funds back. I took my car to a third party mechanic who validated all of the claims I made and I sent them a pdf copy of the result. The mechanic even states on the document to call him if there are any questions. American Express said that there claims department reviewed the issue and sided the with car repair shop because I did not give them documentation. Because of a failed first attempt I resubmitted the claim and this time when I asked about the the documentation I submitted they were unaware I had submitted the documents, so I again submitted the information. Again they resolved the case and said there was not evidence that there had been an issue with my car. On the third attempt I sent them photographic evidence ( the images have dated time stamps ) in addition to the letter from my mechanic and again they state they do not have evidence of an issue with my car. 

Because I have patiently followed their instructions three times providing the exact documentation they ask for yet they will not follow through on what they say they will do I am writing to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
While we appreciate fixing the issues with the XXXX and taking off the XXXX late payment reference that has not completely fixed the issue. We sent back notarized copies of the deed in lieu paperwork prior to the XXXX XXXX deadline and the notarized copy shows that it was in effect XXXX XXXX, 2016. Having that paperwork in prior to XXXX XXXX there is no way that we can held responsible for there being a late payment of XXXX and would request that this late payment be removed as well. My husband pulled his credit report today and noticed that the XXXX late payment has been removed but now Seterus , Inc. has reported that we were late in XXXX all of a sudden when that had not been the case prior. We would like Seterus , Inc. to stop changing other payment information without notifying us of this case since it does not appear in the XXXX documentation which is the same as in this XXXX file attached. We have attached a copy of the deed in lieu paperwork that has been referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
first call from midland credit management was on XXXX/XXXX/XXXX, which I thought was a little strange. My phone service is XXXX which is XXXX. I get a lot of spam calls, so I downloaded a program on my computer called " XXXX '' which my phone only rings once and stops ringing. I have checked my credit report from XXXX and there is nothing negative on it except for the bankruptcy in XXXX. 
I have filed a complaint with the XXXX against Midland and threaten to report them to the nys attorney generals office. Back in XXXX midland credit was sued by the XXXX. The company was sued for XXXX dollars and more than XXXX improperly obtained judgements were vacated. I have never received any written information from them of who I owe and how much I owe. I am current with all my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently garnished on my wage and I have no idea why. I received a letter in the mail from my employer about the garnishment and on the paper it had a case number and a company that issued the garnishment. When I called the company about it, they tried to look me up in the computer and they said they could not find any accounts for me and that they have no idea why I am being garnished. I contacted the company that handles my paycheck, and they told me to call the court house that agreed to issue the garnishment. When I called them, I got transferred to the Small Claims Department at the XXXX Court XXXX XXXX XXXX, and the woman I spoke to looked up the case number that I had and she said it had my name on it, but that was all the information she could give me. The other person that I was told to call by my payroll company, was the lawyers office that apparently handled " my case '' and I have been calling and calling and nobody answers the phone. I know that I do n't owe anyone money, and I have never had anything in collections and I have no derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSWORLD SYSTEMS INC
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:
Someone from Trans World Systems Inc called a business line ( XXXX times this morning ) and divulged serious personal information and was asking several office staff members from my XXXX. I called back and they wanted me to verify my social security number because there was " conflicting numbers '' and they needed to verify. Also, they would not tell me who or what was owed and kept asking me for my SS #. I do not think that someone should be able to call an employer XXXX # and divulge that kind of information to someone that is not part of what is going on and all while asking people completely not involved for my social security number. I feel extremely harassed and am scared as a consume to think an " debt collector '' who does n't know if it is my actual debt and is asking random office members for my social security number and divulging that it is to collect a debt. This also feels like slander as they told people things that probably are not true ( XXXX different employees answered XXXX of the XXXX calls made today ). Horrible business practices and should not be allowed to operate like that. 

Here number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: TX
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 called equifax again on XX/XX/20 and spoke with an agent with agent ID number ID NUMBER XXXX. I have wrote this company several times about not being able to see my credit file. I have submitted several disputes over the last few months and I have also submitted via A previous complaint both my drivers license and social security card as proof of identity. I have been denied my credit report online and over the phone. I was told over the phone I ned to send in my drivers license AGAIN because it expires every three months. I attempted to log onto the web portial to check my dispute status and it has my file completely blank and shows nothing. I have attached both my social security card and my DL yet again and I am requesting that these documents be left on file so that I do not have to provide them over and over again to view my own consumer report. I am also requesting A free credit report be mailed to me for my viewing since I have not been updated via mail on any of my disputes! I would like to be able to call and speak with A representive over the phone and not have any issues with doing so or being forced to file A complaint just to speak to someone. It is beyond crazy that I have to do such things just to have A converstion with someone about my consumer report. MAKE MY CREDIT FILE AVAILABLE FOR ME TO VIEW ONLINE AND FOR ME TO SPEAK WITH SOMEONE OVER THE PHONE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
It has been two months that I have been asking for verification, still have an unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. I have never done business with MIDLAND FUNDING LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Privacy

Complaint:
AMEX gave my personal information to XXXX during the XXXX credit card change over fiasco AGAINST MY SPECIFIC INSTRUCTIONS. I called AMEX as soon as I found out what was transpiring and was told the only way to stop the information from flowing to XXXX was to cancel my AMEX account, which I did immediately ( XX/XX/XXXX ). Today, XXXX XXXX, I received his and hers XXXX cards in the mail. Absolutely UNCONSCIONABLE. AMEX has proven its incompetence at keeping customers and I guarantee that I will NEVER be a customer of theirs again nor will I ever recommend to any of my friends or family to be members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report. 
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically. 
Legally they were not allowed to collect the debt due to the age. 
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
" Midland Funding , LLC '' is a heavy handed collections company that " buys '' bad credit card debt for pennies on the dollar and then aggressively pursues the debtor. 
Since my ex husband was not taking care of his half of the debt, after the divorce, I decided to hire an attorney to help me negotiate his half since it was still affecting my credit. 
At the time of the negotiations, " Midland Funding '' only presented 1 account to my attorney. It was negotiated out of court and paid as agreed, even though the statute of limitations had past and they could no longer go after me legally. I really just wanted to clear up the damage on my credit that my ex husband had caused. 
Then, a few weeks later, I started getting calls and letters again concerning 2 additional accounts that they had also purchased at the same time as the settled account. The problem is " Midland Funding '' was/is required and should have presented all collection accounts they had in my name. They failed to disclose all accounts not only to my attorney but to the courts and the Judge. 
This all took place about a year ago and they are still contacting me by phone and by mail, even though they know my attorney, first hand. I calmly direct calls to my attorney and have turned over the letters to him. 
I do not want to take them to court. But I will if that 's what it takes for them to follow the law and rules of the courts. I really just want the calls and letters to stop or be redirected to my attorney. And if I am understanding the law, it is illegal for them to pursue me and to still report the other XXXX accounts on my credit report since they failed to submit all XXXX accounts at the time of negotiations and settlement. 
Thank you for this format to allow consumers to report illegal behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had a Business Management Account with American Express since XX/XX/XXXX. That account was closed in XX/XX/XXXX-XX/XX/XXXX. I have no issue with that. However, all of my balance has been at the cash advance APR, while I have not taken a cash advance in the last 10+ years. Amex now claims that this was now due to a {$60.00} cash advance I took XX/XX/XXXX, but they are not sure. 
However, once I complained XXXX of my balance is now shown as cash advance and remaining balance at a lower limit which American Express ca n't explain. I have called American Express 15-20 times over the last 2 months to resolve this, and quite frankly Amex has no answer, they push me off to escalation who promises to call me back the next day. As of this writing, the representative has called me back once when the process started, I returned her call and have not heard from her since. It has gotten so bad that when I call her voice mail, I start off by saying " I sincerely hope you are ok ... ''. Her manager told me that she has returned my calls but ca n't say when - but I do have a receptionist and voice mail so this seems disingenuous. 
Amex went from being my card of choice to a company that I would n't wish on an enemy. I had XXXX platinum cards with them and I ca n't get the decency of a return phone call? 
Just a horrible customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
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:
There are XXXX accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citi Bank advertised in XXXX 2016 that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new Citi Bank checking account. The bonus will be rewarded within 90 days. I opened a checking account with Citi in XXXX, deposited {$15000.00} on XXXX XXXX, 2016. The bonus is supposed to be deposited into my account on XXXX XXXX, 2016. I called the bank many times, first time on XXXX XXXX, it said the issue will be handled within XXXX -XXXX hours. As of today, XXXX XXXX, the bonus {$400.00} was not there yet.

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 2021-01-09
Company: Upstart 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: Account status incorrect

Complaint:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Aspen National Financial, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother and I own the home together. I am in a treatment facility for a minimum of 120 days and no longer am able to live in the home with her. However, she would like to stay living in the home and take over the payments. But, I must be taken off of the loan in order for this to happen. Otherwise, the home will need to be vacated completely by both customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on my 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