BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Amex sent me an email asking me to cut up my credit cards this morning. I pay an annual fee on the green card with the implied expectation that services then be provided for a full year. Unexpected termination of my account while I am trying to study for my XXXX XXXX finals at University is just plain annoying. I have no problem paying off the balance and have never missed a payment or made a late payment. 
Following reading the email I immediately opened the app and started a chat with a representative who directed me to a phone line. After being on hold for a significant amount of time the phone was answered by someone who spoke XXXX well but immediately told me he was going to connect me to another person. After more time on hold the phone was answered by a women with an extremely thick accent who was asking for my card number XXXX the one that I cut up per the email ). When I was unable to provide that she asked for my social security number. As I had received the number in the chat and been transferred I asked for an extension I could call her back at to verify her as a legitimate representative. She was unable to provide one so I terminated the call. I then proceeded to utilize the Amex chat in the app voicing my displeasure at the waste of time this whole ordeal was and asking for help. The representative refered me to use the chat on the online portal instead of the app as the office I needed to speak with was closed and " they might be more help XXXX online ]. '' I then typed up a paragraph explaining that I was unwilling to spend any more time on hold and that it was amexs responsibility to internally find the right person to talk to me and to have them call me if they wanted to have the remotest possiblity of future buisness with me. The representative gave different hours for when the office was open. As of writing I have not received a response so am concluding Amex dumped me as a customer on grounds all XXXX of the representatives I spoke with conveniently were unable to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX : {$0.00}

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 2022-05-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX XXXX XXXX : {$240.00}

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 2015-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$240.00}

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/20XXXX XXXX XXXX  XXXX XXXX : {$0.00}

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 2016-12-09
Company: Green Square Company LLC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!

Company response to consumer: Closed
Consumer complaint received 2022-10-17
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, This a follow up to a prior complaint regarding a debt they say i owe What is sent is a letter saying they verified debt it contains no information on how this was verified and no documentation of items billed. Instead a a form asking me to sign a release if information. 

There is no information about the bill they are trying to collect on. How can you verify something you are asking for a release to be signed to be obtained?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a student loan with Alaska Commission for Post Secondary Education from XX/XX/XXXX that I have been paying on. If I got behind, I always caught back up. I filed for divorce in XX/XX/XXXX ( I was a stay at home mom up until XX/XX/XXXX ) so my account became delinquent and in default. In XX/XX/XXXX I filed bankruptcy. Knowing my student loan was n't going to be discharged, I contacted ACPSE to setup a payment plan. They refused to work with me and said that I needed to pay {$1800.00} order to be considered current ( {$3800.00} total debt ). Obviously I could n't do that, I am a single mom of XXXX just reentering the workforce. There was no way I could manage to do that. In XX/XX/XXXX they turned the account over to collections. The collection company now is asking for {$5800.00}. I contacted ACPSE on XX/XX/XXXX and stated I could arrange payment in full if they would be willing to work with me. They replied with " Contact the collection agency to settle your debt ''. I would like to get this account settled and paid but I ca n't pay {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was unaware that I had any outstanding debt at all until in early XXXX, when I learned that I had a {$360.00} outstanding charge on a XXXX XXXX credit card I have had since college. I received zero emails, standard mailings or calls about this balance being overdue, until they sent me an email saying my account was closing for this reason. I called them immediately, paid off the balance in full over the phone that day, and asked them why I hadn't received a single communication about this balance being overdue. They said they had never updated my mailing address and I was on a " do not call '' list, so they were unable to get a hold of me. But they had my email address?! 

My perfect credit score of XXXX suddenly dropped to XXXX over this {$300.00} balance that I was unaware I even had. I asked XXXX Back ( for XXXX XXXX credit cards ) to send a letter to the credit bureaus saying this was an error in communication, but the only thing that has happened besides paying off the balance, the account being closed, is my credit report shows an unresolved dispute with this low credit score. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: KP ASSET CONSULTING LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Some one keeps calling my work number, my son 's cell phone number repeatedly at all hours. Saying I was getting sued. Leaving a call back number XXXX which I looked up and is a known scam listing the same details they give when they reach my work or my son 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
i filed disputed on XXXX XXXX and still have yet received anything documents back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: AmeriFirst Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a home fire XXXX 2013. We settled with XXXX XXXX insurance ) for $ XXXX to rebuild our home. XXXX sent the insurance funds payable to us & AmeriFirst Home Mortgage - as we have a mortgage. AmeriFirst would hold the funds in escrow & pay out the funds in intervals as the home is rebuilt. At several points AmeriFirst would work with our builder to defraud us or coerce us to make payments we disagreed with. In the end, AmeriFirst helped our builder ( who quit before the house was done ) steal a great deal of money from us. AmeriFirst refused to give us the funds they were holding to repay invoices we 'd paid to rebuild the home. Then we received the final insurance disbursement, which AmeriFirst demanded they get the check ASAP - that was almost 2 months ago. Since that time they have made excuses, delayed & stalled reimbursing us for invoices we incurred. They absolutely refuse to repay us a single penny. They 've stated that they 'd release the funds once an appraisal was done to show the value of the home was over $ XXXXk XXXX our original mortgage ). They 've stalled & changed an appraisal to a BPO, FHA inspection, inspection & back to an appraisal. We ordered our own & showed that our home was $ XXXX, which is obviously more than $ XXXXk. Two weeks pass, we hire an attorney & AmeriFirst has objected to our motion to compel the release of funds since we met their requirement of $ XXXX in value. Now they 're objecting to the appraisal stating that they believe the value of the new construction XXXX sq ft home is well under $ XXXXk XXXX after spending $ XXXX ). This is simply another stall tactic to hold our funds. AmeriFirst believes the funds are theirs & that they should keep the funds in order to mitigate their loss of value on our home, which is crazy! This is the end of the story - but there 's so much more they 've done wrong - such as releasing $ XXXX to the builder after we clearly told them we no longer wanted any more funds to go thru the builder. They forced us to sign over the 2nd disbursement rather than pay bills thru AmeriFirst. Then after the builder quit & they were notified they 'd quit - AmeriFirst still worked with the builder to steal funds from us. AmeriFirst released inspection reports after the builder quit. AmeriFirst released information about how much additional money they were holding to assure the builder they could steal our funds & bills would still get paid. AmeriFirst has worked against us every step of the way & in very illegal & unethical ways - much like them continuing to hold funds for months when they clearly know from prior inspections & a current appraisal as well as FMV of new construction that their objection is frivolous & a delay tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Wells Fargo ( WF ) removed {$2500.00} from my checking account statement dated XX/XX/XXXX. This was done after a very long fraud suite . Which I had sent CFPB a complaint and received a letter from the WF Executive Office Case Specialist, XXXX XXXX, who said in his letter XX/XX/XXXX, that if I have a questions to call him. But after many messages and no reply. I am needing CFPB 's help. My XX/XX/XXXX statement, on XX/XX/XXXX XXXX removed {$2500.00}. This was not their money! The description says : Online Advance Reversal Case XXXX. The only advance made was to account XXXX the fraud money on XX/XX/XXXX. XXXX which was withdrawn on XX/XX/XXXX for the fraud wire transfer. I didn't receive any other advance to help pay my bills. I question a transaction on a statement dated XX/XX/XXXX Personal Line of Credit acct. XXXX. On XX/XX/XXXX ( after all accounts where closed and stopped for transactions ) a {$2500.00} withdrawal was made with the description " Balance transfer for acct ending in XXXX '. I have not had a XXXX account! So this must be the third parties account number who received an advance. It sure wasn't me! WF owes me the {$2500.00} they withdrew on XX/XX/XXXX from my acct 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 2020-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I opened a Huntington Bank checking account ending in " XXXX ''. As part of the initial funding, a transfer of {$1000.00} was initiated through Huntington ACH from my XXXX XXXX account. A Payment ID/Confirmation of the transaction provided by Huntington is  shown in the attached file. The funds were debited by Huntington from my XXXX account on XX/XX/XXXX. 

On XX/XX/XXXX, my Huntington account was shut down due to some risk factor. Unfortunately, the {$1000.00} hasn't returned to me. 
I have called Huntington Bank on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and was given contradictory information each time, as listed below. 
1 ) We don't know where the {$1000.00} went. 
2 ) The transfer was NOT completed due to the account shut down.

3 ) Refund would take 3-5 days. 
4 ) We already sent back the funds to XXXX. The issue must be on their end. 

The issue is clearly not on the XXXX end. I'd be more than happy to do a 3-way conference call to clear this misconception. 
I'd appreciate someone competent enough at Huntington Bank to look into this issue and provide a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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 found an inquiry from XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX on my credit report. I called and spoke with a gentleman by the name of XXXX I explained I did not authorize the inquiry and was told he would need to check the cameras for that day???? How would checking the surveillance cameras assist in finding out who or how my info was provided. You need a social and a valid ID for that. He then directed me to XXXX in financing. I left two voicemails but I have not heard back. I reached out To the XXXX of XXXX through XXXX and received a response from XXXX. Was contacted by XXXX XXXX who unfortunately was unable to assist but suggested I should call XXXX XXXX. I just need a letter of explanation or remove the inquiry from my credit report please. 
I have not visited XXXX of XXXX. I just purchased a XXXX in XXXX of 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 2016-06-20
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced through XXXX XXXX in XX/XX/XXXX and my first payment is due in XXXX XXXX 2016 according to the note. However i received a letter dated XXXX XXXX 2016 that the loan was sold to CMC funding C/O XXXX XXXX XXXX. After numerous calls in XX/XX/XXXX to both XXXX XXXX XXXX and CMC funding i have not received loan account numbers from new Servicer. I was told from both bank agents that I would receive welcome packet within 15 days from the first payment is due. Today is XX/XX/XXXX and i have not a welcome packet. After calling CMC funding on XX/XX/2016, they could not even locate the file, using SSN or home address. The XXXX XXXX agent directs me to call XXXX XXXX XXXX, XXXX XXXX XXXX directs me to CMC funding and CMC funding is Directing me to XXXX XXXX. 
I have attached the letter and could CMC answer why I have not received a welcome packet within 15 days of due payment Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation