BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I underwent a routine test at a local clinic and the visit and all procedures were fully covered by XXXX, the health insurance company. XXXXXXXX XXXX  Explanation of Benefits indicates that the physician 's clinic, XXXX XXXX, was paid directly by XXXX. Despite receiving payment in full, XXXX XXXX, repeatedly tried to double bill me directly. I explained to them several times over the phone as well as in writing that this bill had already been paid by XXXX. They simply ignored my response and in partnership with their collection agency, Frost-Arnett, have repeatedly tried to fraudulently collect monies that were never owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A third party ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ) fraudulently purchased my property with assistance from our Home Owners Association ( XXXX, XXXX, XXXX, XXXX XXXX  XXXX HOA ). I contacted my mortgage service company ( Rushmore Loan Management Services ) after I noticed the third party making unauthorized payments on my mortgage. I instructed Rushmore Loan Management Company to desist from accepting payments from third party purchaser pending litigation. 

Further, my loan was recently sold on XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX DE XXXX ) After the recent sale, I requested from Rushmore Loan Management Company to change my loan account number, tied to the fraud. Changing the loan account will allow me to make payments to the XXXX XXXX XXXX XXXX. Rushmore has ignored my request to change account numbers and continue to  accept payments from third party purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice to dispute letter. I am unaware of this account/debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: OR
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:
I had paid off my XXXX credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through Experian and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with XXXX. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So XXXX is telling me I'm a liar and Experian doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line

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 2018-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 between the hours of XXXX and XXXX XXXX a unknown person used my debit card at a merchant in a neighboring city. I was unaware that I no longer had my card in possession until that night when I was attempting to get gas. When Chase my bank was first notified they administered a temporary credit but a week later they reversed it and now before making me aware of their decision are telling me I must get a lawyer to supena the merchant for camera ... ... I just wish they would have talk with me about what was going on so I would have been aware from day one of getting the temporary credit so I could have actively begin my own investigation into the matter as well ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a homeowners policy for my home. After 5 attempted calls by myself and my insurance agent, the mortgage company didn't respond. Proof of my insurance was sent to the mortgage company and they did not respond. Ultimately, they bought a policy in my name despite me already purchasing homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: MI
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: Received unwanted marketing or advertising

Complaint:
Several times a month I receive emails from Experian stating : " Your Experian FICO Score has changed. 
You have new credit information. Were alerting you right away so you can sign in to make sure everything looks okay. '' Every other email is " Here 's what 's changed : Credit Score Decrease '' or " Here 's what 's changed : Credit Score Increase '' I believe these emails are a lure to subscribe to credit monitoring services. 

I am uncertain about whether or not my Experian credit score is actually increasing and decreasing this frequently. I feel as if these email are intended to cause either excitement or concern that is n't actually necessary and trigger recipients of these emails to subscribe to their credit monitoring service.

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 2018-06-22
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place.

The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing my credit report and noticing inaccurate information I sent a certified letter to IC System dated XX/XX/20 requesting that the company validate the reported {$360.00} debt. I received a response letter from IC System dated XX/XX/20, advising that they had investigated the information that was provided to the credit bureau and stated that they had been unable to verify the information reported to the credit bureau. Therefore, they had requested that any information provided to the credit bureau regarding the account be deleted or removed. The letter then explained that I may wish to review my credit report to ensure that the information has been properly updated. 

However, the letter then stated that the attempts to verify the debt would continue and gave me 30 days to dispute the validity of the debt. Based on the document that they provided, they have now given me a new account number for the very same debt. I need a resolution to resolve this matter and would like to file an official complaint against the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Reverse Mortgage Solutions, Inc.
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX VS. RMS XXXX, TX XXXX # XXXX ON XXXX XXXX XXXX XXXX. XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ON XX/XX/20 RSM RECEIVED A PACKET OF INFORMATION CONCERNING OUR LOAN. WE HAD NOTICE A ERROR ON THE SIZE OF REAL ESTATE XXXX ACRES VS, XXXX ACRES. I CONTACTED THEM ABOUT THE ERROR AND SENT TO THEIR ATTENTION A SURVEY SHOWING THE TRUE SIZE OF THE RESIDENCE. THEY SAID IN A RETURN EMAIL THAT THEY NEVER GOT THE MAILING DESPITE THE FACT THAT IT WAS SIGNED BY THERE MAIL ROOM PERSONEL. SEVERAL PHONE CALLS WERE MADE TO THEM WHICH THEY THEN REQUESTED THE " LEGAL DESCRIPTION '' ( WHICH WAS ON THE SURVEY ). THEY SEEM QUIET SHORT WITH ME & RUDE WHEN QUESTIONED AS I HAVE A BUYER FOR THE PROPERTY AND ALSO WANTED TO PAY THEM TO CLOSE THE LOAN. I WAS TOLD IN AN EMAIL IN ORDER TO GET A " PARTIAL REAL ESTATE RELEASE '' I NEEDED TO SHOW PROOF THRU A SURVEY THE SPLIT OF RESIDENCE VS. PASTURE. I SENT 2 MORE XXXX DELIVERYS TOTHEIR ATTENTION. I WAS INFORMED THAT A " XXXX '' SUPERVISOR WOULD BE CALLING BUT DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has repeatedly called at least two of my relatives or associates without my consent. 

These tactics began aoproxinately XX/XX/XXXX and continue through today, XX/XX/XXXX. 

I lodged a complaint on the American website approx. XX/XX/XXXX, directing them to stop the communications to others, searching for me. I noted that I was not sure if the calls came from Amex or an impostor. Calls continued after XX/XX/XXXX, clearly stated by the caller, XXXX, from Amex,  from XXXX, and also from XXXX. 

I spoke verbally with XXXX on XX/XX/XXXX, directing him to end the communications to others in search of me. XXXX was hostile, continuing to talk over me as I was telling him to stop the hostile tactics. I stated that a complaint was being lodged against him and his company on this matter. His response that any complaint did not matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been trying to transfer my American Express membership rewards to airlines for 3 weeks ( from XX/XX/XXXX ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review. 
I then filed a CFPB complaint and American Express released my rewards on XX/XX/XXXX stating they have completed the review. I redeemed some of my rewards to airlines on XX/XX/XXXX, but American Express FROZE my rewards AGAIN on XX/XX/XXXX. I only had normal spending on XX/XX/XXXX and really don't understand the reason why American Express put my account under review AGAIN. This is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reason to believe the mortgage company we are in partnership with over our modular home, Ditech ( a XXXX XXXX ) whose headquarters are in XXXX XXXX, SD XXXX ( XXXX ), is taking advantage of the loan servicing agreement by either placing hidden fees in the cost of the monthly payment or misappropriating the monthly payment in various ways. 

I purchased the XXXX modular home in XXXX of XXXX with a high interest rate of 13.75 %, but a loan agreement for 20 years, which will signify the end of that loan agreement this year in XXXX. 

However, I still owe {$13000.00} on the principal balance and a deferred balance of {$1800.00} with several calls to Ditech 's Customer Service department several times in the last few months beginning Monday, XX/XX/XXXX ( XXXX ) and ending today, Thursday, XX/XX/XXXX ( XXXX ). 

And since that time I have had nothing but issues with changed account numbers, a separate account number specifically geared for home owner 's insurance and requests for ALL the paperwork regarding our contract agreement and recorded call-in notes. Ditech 's Customer Service department has assured me they were taking care of my business relationship with them, but they've failed me in more ways than I care to explain at this time and now, I want answers as to why I still must pay {$13000.00} on a modular home for another 3 to 4 more years on top of deferred payments amount of XXXX because something they've done is the exact opposite of ethical and fair. 

The account numbers for home loan balance is : XXXX OR XXXX. The account number for home owner 's insurance is : XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year i spoke to LVNV FUNDING LLC regarding an amount that was not used by me. The amount was XXXX that i was told someone in Connecticut was using at the time. I spoke to the company and i was told by XXXX XXXX XXXX that someone was using the card in Connecticut.The card was not in my possession.XXXX XXXX XXXX decided to report on my credit. I have never been to Connecticut before.I reported the card to XXXX XXXX and nothing was done i was told someone used the card in Another state and no one fixed the issue instead they reported an amount that was not used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer refuses to acknowledge a XXXX XXXX XXXX exempted assumption. Ability to repay or not has no bearing on XXXX  assumption and XXXX or the servicer can not deny a XXXX  assumption for ATR or creditworthiness. They are either unaware that their policy is illegal, not following their own procedures or purposely disregarding both. 

12 CFR Part 1026 Regulation Z interpretation : " the creditors written acknowledgement of the successor as obligor is not subject to the Bureaus Ability-to-Repay Rule ( ATR Rule ), 1026.43, because such a transaction does not constitute an assumption as defined by Regulation Z 1026.20 ( b ) '' " Unless the change satisfies the definition of an assumption under 1026.20 ( b ), a change of obligors does not trigger the ATR requirements under 1026.43. " https :  //www.federalregister.gov/documents/2014/07/17/2014-16780/application-of-regulation-zs-ability-to-repay-rule-to-certain-situations-involving

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: DriveTime
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.

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 2016-11-07
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Today, XX/XX/XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a 20 to 26 point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX, I contacted Chase Bank to inquire about re-financing my mortgage to lower my rate and take out some equity. Even with the new amount, I would have lowered my monthly rate by {$10.00}. I have been with Chase about 18 months and never had a late payment. I have a XXXX credit score and my wife has a XXXX score. They said I could do it but, would have to have 18 months of payments in my savings account and charge an additional {$500.00} for processing fee. I am XXXX years old and my wife is XXXX. We wanted the money for some home repairs and pay off some bills. Chase is discriminating against middle income people. Plus, they get re-financing substitutes from the federal government. Can yu help with this problem. Oh, I am also a veteran - Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good afternoon, This complaint is against XXXX XXXX and the way they are handling electronic payments.

I paid my card the last thee times as followed : XX/XX/XXXX {$50.00}, XX/XX/XXXX {$280.00} and XX/XX/XXXX {$360.00}, total {$690.00}, I make my payments electronically and they leave my bank account the day after I make them, today is XX/XX/XXXX and they have not yet make my payments available to me, I have had that credit card for at least 4 years with a clean record, I have never missed a payment nor bounced one. This is a very unfair and deceptive way of conducting business and it is not in the client 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have Equifax the credit bureau about a new set of financial account that added and removed which induced a drop in my credit score of 76 points overnight. I immediately call Equifax to report the change and the false information that were inserted, I spoke to a representative and a supervisor whom acknowledged the information would neither explain why, how some information was removed ( usually good reporting accounts ) and old accounts which are not active were reported and created a drop of 76 point without a single account changing. I am suspecting fraudulent activity on behalf of Equifax which is designed to wreck someone report and artificially lower the score and make consumer pay more for credit, I was in the middle of a house refinancing and now that this maliciously was inserted i would have to pay tens of thousands more. I am attaching a copy of the change that shows what account were removed and the ones added with a phony balance, this is totally wrong.

Company response to consumer: Closed with explanation