BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Called American Express prepaid services at XXXX XXXX with multiple agents on XXXX XXXX who advised they have authorized payments at online retailers. Given 24 hour wait times to wait for authorization for prepaid card to be declined. Spoke again to another agent on XX/XX/XXXX who advised to use at yet another retailer and to no avail the card was still declined. However a pending charge of {$0.00} was charged and pending no agents can explain why the pending charge is there. Requested a supervisor and told none are available and to call back in 2 hours and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXX, XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from XXXX and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from XXXX despite anticipating one due to XXXX reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to Equifax on XX/XX/XXXX. Equifax company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) XXXX marked the complaint as duplicate. 

A letter addressed to XXXX with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

The XXXX response letter which is attached to complaint XXXX is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/ we had a major water loss at our home. After dealing with our insurance company for months to give us a fair settlement to make the repairs our funds were sent to us with our mortgage company PennyMac named on the payment. We endorsed all funds to PennyMac and were in an understanding that they would release funds as needed to so we could make the repairs to our home. The repairs for our claim are over {$200000.00} and after the depreciation which is being withheld by our insurance carrier PennyMac has been sent approximately {$140000.00}.

PennyMac has delayed funds being released countless times and we have not been able to make repairs in a timeline that is compatible with our insurance policy coverage for our additional living expenses ( rental home, storage of our contents ). I have called PennyMac over and over and spent hours on the phone with them explaining we need the funds to make the repairs. They tell me that the repairs we have made are not up to the percentage they see fit for the amount that we have. Our house was taken down to the studs and we have repaired plumbing, electrical, insulation, drywall, doors installed, walls textured and ready for paint. 

We need to order cabinets and flooring and construct our bathrooms. They keep telling me that they need to see these things done before they release the money. We can not afford to pay for those items up front. That is what the insurance money is for. They are simply refusing to give us the money to pay our contractor. My contractor has spent a considerable amount of time on the phone with them as well explaining we need the money to keep repairs going and they still refuse. I explained to them that I feel they are holding our money because they have it invested and are gaining interest on it. They don't want to give us the money so they can keep gaining from our loss. 

What they are doing to us is completely unethical and they are acting in bad faith toward us. We need them to release our funds to us to complete our repairs so we can move back into our home. We are coming up on 1 year since our entire house flooded and PennyMac does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX called today to explain that still go to dealership and even if they dont work with them. Process is getting a buyers order and emailing it to them. Would be funded within XXXX to XXXX business days. 

My bank is showing me a credit score of XXXX. XXXX XXXX is saying the soft pull they have is XXXX Also telling me they have not formally approved my loan in spite of email implying otherwise ( see complaint yesterday )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with American Express, that fell past due. I received at least 13 robo-calls regarding the delinquency where multiple robotic voicemails were left on my cell phone, from XXXX to XXXX of XXXX. This is a direct violation of The Florida Consumer Collection Practices Act ( FCCPA ). The FCCPA protects consumers from certain debt collection actions. Specifically, it prohibits debt collectors and telemarketers from making robo-calls to your cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
American Express supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to American Express which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a title loan with titlemax and the total loan amount is {$2000.00}. Every time l make a payment the loan goes down but then I check later and it goes back to {$1500.00}. I have checked the total amount of payments I've made and it comes out to {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BTH Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested proof of debt via credit bureaus when this appeared on my account. The company ( plaza services ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with XXXX. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A pre-order ( group-buy ) purchase was made from XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$280.00}, and on XX/XX/XXXX in the amount of {$210.00}. The company became increasingly scarce in its response with its customers around XXXX, then filed for dissolution on XX/XX/XXXX with no notice. I tried to reach out to XXXX XXXX via several different platforms, but was met with no response. Ultimately the customers were left in the dark ; the above projects were never completed, and the products were never delivered. 

I attempted to contact my financial institution Chase Bank regarding a chargeback. Initially they granted temporary credit, but was promptly reversed inso stating the request had passed the 120 day period to request a chargeback. I tried to explain to them that due to the nature of the purchase, there was no possible way to request a chargeback within that time frame. XXXX XXXX operate on a XXXX XXXX XXXX, where money is paid up front which is then used to pay the manufacturer to create the final product. These projects normally take XXXX years for completion. These style purchases are normally conducted in good faith in relation to the hobbyist community, so instances like these are far and few in between. Moreover I had purchased from XXXX XXXX in the past, so I had very little reason to believe they would do this. 

Despite all this, Chase continued to maintain their 120 day policy -- repeated calls to different agents were met with immediate denial and refusal to take additional documentation. Furthermore, it makes little sense that Chase would even entertain issuing temporary credit if that were the case -- it was clear that the purchase was made over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
After going to court for my property after XXXX years in XXXX, the court ordered the Mortgage Company SPS, to correct the mortgage on the property, and the interest rate will not exceed over 4 % for the duration of the loan. The deferred payment that SPS has added to my mortgage is not supposed to be there. The judge did not order them to attach that to my mortgage. I was so happy because they were trying to take my property and I have my kids and grandkids and we need a shelter. We needed our home. I did not pay it any attention at that time and when I did, I reached out to the company and I had a Attorney reached out to them But it was so affordable I couldnt pay for an attorney, so I decided to reach out to them on my own and thats what I have done. On XX/XX/XXXX. I reached out to my mortgage company via email. They received the letter and all the attachments but they have not responded as of yet. Now Im reaching out to you for your assistance in this matter. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX - received notification that loan AA ( total of 2 were forgiven as of XX/XX/XXXX ) XX/XX/XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - contacted Nelnet to inquire on total amount of overpayments and when my information would be sent to US treasury for refund - no response XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - sent follow up to Nelnet requesting same information - no response XX/XX/XXXX - submitted complaint on student aid.gov - received case # XXXX via email XX/XX/XXXX - received 4 seperate letters indicating my remaining 4 loans were paid in full XX/XX/XXXX - requested my complaint to be escalated to Ombudsman - no response XX/XX/XXXX - received check for {$780.00} ( which included the XX/XX/XXXX and XX/XX/XXXX payments that Nelnet stated that I owed from their billing statements XX/XX/XXXX - followed up again requesting escalation from Ombudsmen XX/XX/XXXX - after my accounts reflecting {$0.00} and credit reports updated, Nelnet now has a balance on my Account of {$420.00} spoke to 6 different reps at Nelnet who have indicated they see 2 different overpayments that I am due,XXXX and the 2nd XXXX. One of the representatives even indicated I had borrower defense on my Account which I have never applied to but, that has now been disputed by a different representative. 

I would like to know when I will receive my overpayments and if my Accounts should reflect {$0.00} as my documentation indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card. 

In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023. 

On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed. 

On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX  app that Auto-Pay is still active and ON. 

This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior. 

XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end. 

Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error. 

My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: OH
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:
The account XXXX Has been submitted for review by mail. Upon reviewing the report today XX/XX/23 the account is showing as normal but I have not received any status update. This same account has undergone an investigation with all 3 bureau and was found not valid with XXXX. I am requesting a follow suit for it does not show accuracy across the 3 reports. I am asking that this account 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
Consumer complaint received 2023-12-11
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
While shopping for new car insurance, the new company ( XXXX ) checked by personal data. 
The problem was with Nexis Lexis having incorrect info within their data base. This info came from information incorrectly inputted into their data base. I contacted XXXX XXXX and the info in their system is correct with the prior insurance claim. Some how the data obtained was incorrectly worded and placed into XXXX XXXX data base. I was told by XXXX that they had received info that my prior insurance claim involved an accident with the car being driven by a non-listed driver/policy holder. THIS IS NOT TRUE, It was being driven by one of the listed insured policy holders.

When I called Nexis Lexis they proceeded to be more interested in obtaining personal bio data " to verify my ID '' then to have the issue corrected. I told them the issue with their data and they needed to have the info double checked and corrected by contacting the insurance company. They stated that since they " could not verify me with my name, address, phone number and MI Driver 's Licence number '' they could not do anything to correct the info. They still wanted to obtain my DOB and SSN ; which I told them that they they were not allowed by federal law to even ask for my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: GOLDMAN SACHS BANK USA
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, the balance of XXXX transactions on my Apple Card, managed by Goldman Sachs, was to be fully paid and settled. XXXX XXXXXXXX, the bank in charge of my checking account, failed to send a payment claiming insufficient funds. However, there were sufficient funds to cover the transaction. I immediatly tried to send an additional payment through the apple card app, but it would not allow it, until the transaction was fully rejected. Thus, I was charged interest on the XXXX and XXXX transactions, as per the terms and conditions. I complaint to both XXXX XXXXXXXX and Goldman Sachs as this was outside of my control, and I immediatly had posted pay as soon as the Apple Card app allowed it on XX/XX/XXXX. Goldman Sachs credited only {$25.00} of the {$120.00} charged. As per terms and conditions, I reinstated authorization of automatic full monthly balance payments. The terms state that by the next due date ( XX/XX/XXXX ) as long as the XXXX balance, along with the declined payment of XXXX ( due XX/XX/XXXX ) and the interest charges were paid, the grace period would be reinstated. This time, the Apple Card app, failed to cover the monthly balance including the interest charge as authorized by me, the user. Interest was charged again for the amount of {$80.00}. By XX/XX/XXXX, I paid fully the XXXX balance, plus the interests, which were still in dispute. I had opened several cases and had several calls and text conversations with Goldman Sachs customer service department. Including high level supervisors, which claim they are clueless as to why I am being charged, but that they refuse to credit the account. On XX/XX/XXXX, interest was charged again on the amount of {$38.00}. As per terms and conditions, once all monthly balances and interest are paid in full by due date, grace period is reinstated for the running month. As a user, I fulfilled all responsibilties of authorizing the application for full monthly balances on due date, which include all corresponding interest charges for each period. Both XXXX XXXXXXXX  and Goldman Sachs have been negligent in their responsibilities to fulfill and settle transactions on my behalf, as formally authorized via their respective digital platforms. I was held unfairly, and perhaps fradulently ( at least for the last charge ), accountible for these errors and charged interest for which I expect full credit on my account. In conclusion, Goldman Sachs is violating their own terms and conditions, for interest charges posted on XX/XX/XXXX and XX/XX/XXXX, as I have abide by the rules of payment authorization and settlement of full monthly balances by their respective due dates. Yet grace periods are not being honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance to the Fair Credit Reporting Act Account XXXX XXXX XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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