BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have opened my XXXX XXXX credit from American Express in XX/XX/XXXX because of the following promotion. 

XXXX XXXX Honors bonus points after spending {$3000.00} or more on the Card within the first three months of Card Membership A free weekend night award after your first anniversary of Card Membership I have already spent more than {$3000.00} within first 3 months, but still I have not received the promotional points. 

On XX/XX/XXXX, I asked this issue via online chatting, then the representative told me that I will get it next day. 
On XX/XX/XXXX, I contacted again, then the representative did not explain why they failed to make it as they said on XX/XX/XXXX, and he/she said that they are going to file an investigation. Then, suddenly chat was dropped. 
On XX/XX/XXXX, I contacted them again. The representative was asking me wait " some more days '' Then, suddenly chat was dropped, again. 

But I am 1000 % sure that I gave them more than enough time to make it right. 
Stop lying to customer. 
Stop saying " wait some more days '' without giving the detail reason why it is delayed. 

As they charge the annual fee on the exact day, they should provide what you promised on the right time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have 2 fraudulent inquires on my credit report from Bank of America. i contacted me identity protection service for both inquiries and had them disputed directly with Bank of America and both were verified as fraudulent. I requested that I receive documentation for both inquiries stating that they were fraudulent. I have not received any documentation for either inquiry. The date for the first inquiry was XX/XX/XXXX and the second inquiry was XX/XX/XXXX. I requested that both of these be removed off my credit report. It has been over 90 days and both fraudulent inquiries are still showing on my credit report. I am requesting that they both be removed from 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: Credova Holdings Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My account number with them is XXXX I applied for a loan to the sum of {$930.00} for a firearm accessory purchase online. The term was 12 months, at {$93.00} a month. 

In XXXX of 2022 I called and requested to pay off the remaining balance and made a lump sum payment if {$580.00}. 

In late XXXX I discovered they still held a balance on the account and had future charges I still owed. 

Between then and now I have called multiple times to resolve this matter. When I talked to a representative they said that what happened was the representative I talked to in XXXX failed to create a payoff process when I requested to payoff the loan. I would need to speak to the billing department over this issue. 

The billing department will not return my calls. I've called and emailed numerous times. My last conversation was a week ago in which I used their chat system to talk to a rep about this issue. They assured me that not only would they reach out to billing, a supervisor would call me back. 

I have not heard back. 

They refuse to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid EOS CCA for my XXXX debt in the amount of {$160.00} which was on my credit report. I am trying to clear up all of my debts and asking for 50 % -75 % reductions on all debts. All debt collection companies have replied with acceptances. This one cashed my money orders but is refusing to take my debt off my credit report. They passed me around on the phone several times repeatedly, let me get you my manager, let me get you my supervisor, oh wait there is this note. I just want this resolved and removed. The next think I know they tell me I owe another {$300.00} and some odd cents. Something I was not even aware of. Then she says when can you pay that. I was so confused! Help me get rid of these people and delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX to ask that this account be removed since it's been settled and is damaging to my report. I have no got a response as of yet from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Instarem PTE Limited
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I used INSTAREM to send money from my XXXX XXXX  Account to my XXXX XXXX  Account. 

I believe I gave all and answered all the requirements needed for me to do so. 

However, INSTAREM cancelled my transactions and blocked my account without warning or reaching out to me. 

The only explanation given is due to internal regulatory policies that can not be disclosed.

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 2023-05-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to get credit with 24 months of no interest and after 12 months they are charging $ XXXX of interest plus the credit loan amount. The total credit loan was {$2700.00} approximately. 
I agreed to pay the amount in full not including the {$800.00} for late fee. They blocked me access for my online account and could not see the balance. In addition, I didn't receive any mailed letter and I was not aware of the situation until I see my credit report in bad condition and affected because of this. The credit loan was with synchrony XXXX XXXX XXXX bought in one of their partners.

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 2019-11-05
Company: BB&T CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is 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 2023-06-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Lockhart, Morris & Montgomery Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a " NOTICE OF SERVICING TRANSFER '' PHH Mortgage Services XXXX XXXX XXXX XXXX is now collecting the payments. XXXX  will stop accepting payments received after XX/XX/XXXX PHH will collect the payments going forward. PHH will start accepting payments received on XX/XX/XXXX.

XXXX XXXX XXXX XXXX has joined forces, as a result, XXXX will be consolidating all mortgage accounts uner one company, PHH MORTGAGE SERVICES.

On XX/XX/XXXX XXXX Reported on XX/XX/XXXX a balance of {$120000.00} Direct Dispute/ XXXX XXXX Item Result Result : Deleted XXXX has deleted the account or record from you XXXX  credit report.

Dispute Reasons : Accuracy : This account is too old to be on my credit report. There were fraudulent charges made on this account.

Now PHH MORTGAGE SERVICES claims I own them {$150000.00}.

The Account was opened on XX/XX/XXXX, ( 12 yrs 4 months ) highest balance {$130000.00}.

Last reported XX/XX/XXXX.

We had no contract with PHH MORTGAGE SERVICES. This account is too old to be on my credit report. Ther were fraudulent charges made on this account by XXXX XXXX XXXX XXXX.

RECORDS INDCATE ON XX/XX/XXXX XXXX XXXX XXXX   DECIDED NOT GO FORWARD WITH THE SALE ON MY PROPERTY, it was canceled by the Attorneys from XXXX XXXX.

THE courts Dismissed our ORDER TO SHOW CAUSE, PLEASE SEND THIS COMPLAINT TO PHH MORTGATE SERVICER AT THERE CORPARTE HEADQUARTERS LOCATED IN XXXX N J

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX received dunning letter from Midland Attorney, XXXX, XXXX XXXX XXXX. Sent Debt Validation Letter - no reposnse. Not two weeks later I receive another dunning letter from Midland Credit Management ( MCM ) on the same alleged .debt ; Again I sent a Debt Validation Letter - no reponse. 2.5 years pass and I receive yet another dunning letter MCM. Again I send another Debt Validation letter ; this time MCM responds with less than validation. PLEASE NOTE THAT THIS DEBT IS NON COLLECTIBLE per order of the Consent Decree Between XXXX and the Consumer Financial Protection Bureau from XX/XX/XXXX. Also MCM violated the FDCPA and Massachusetts CMR 940 7.08 by contacting me XX/XX/XXXX without first Nvalidating the the alleged debt first from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-05-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Citi has been penalized for using a company called XXXX XXXX  but did not refund all customers such as myself, and continued to enroll my account 4 years after the settlement from the CFPB told them to stop. I finally realized they were charging me thousands in fees per year and found a way through much navigation to cancel. 

In requesting a refund for the thousands I paid over the years for a service I was unaware of Citi gave me two fraudulent phone numbers for other add on agencies and did not help me, instead referred me to the third part company, even though letters came from them. They used this predatory practice to take money from me and others via XXXX XXXX  and the Citi customer service will not help or answer questions, only will pass people to XXXX XXXX, a company the customer has no relationship with. There is no information given, no actual contact, and only contradiction messages and information given by both entities. 

All leg work may be done by the customer with no help. Further they stated I signed up for this service in XXXX when that is not the case. Even worse, is after the ruling in XXXX they continued to perpetuate this on myself, and other customers, taking me for thousands over that period in predatory fees.

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 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'M MENTALLY XXXX AND WAS TOOK ADVANTAGE OF BY PEOPLE I HAVE A STUDENT LOAN AND A CAR LOAN I DID NOT DO

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 2019-11-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX is the original note date XX/XX/XXXX modification date XX/XX/XXXX maturity date Home Affordable Modification Agreement reads new principal balance {$490000.00}. 
Item C reads {$29000.00} of the principal balance shall be deferred and I will not pay interest or make monthly payments on this amount.The interest bearing principal balance is {$460000.00} at a 3.75 % fixed rate at 248 payments. 
Then a Balloon Payment Disclosure states a balloon payment of {$330000.00} will be due XXXX/XXXX/XXXX. I don't understand this loan and the payment doesn't make sense nor was it explained that way to us when we signed the papers that after paying almost $ XXXX we will need to then pay {$330000.00}. 
On XX/XX/XXXX my husband spoke to PHH customer service rep XXXX ID # XXXX and asked for clarification. He was told at the end of the 30 years we would have to pay about $ 30k and we are on track to pay this off in 17 years. XXXX said he didn't see anything about the {$330000.00} so he could explain that to us. Something isn't right and it looks like we are being defrauded. We attempted to refinance this loan recently but the loan officer ( XXXX XXXX XXXX ) said we needed to see a Real Estate Attorney to see if this loan was legal. She said it didnt make any sense to her and at this point couldn't help us. Something isn't right and the lien holder can't explain it to us. In addition to all of this chaos, PHH isn't applying our payments correctly. They took over servicing from Ocwen in XX/XX/XXXX and the nightmare continues just as it did when Ocwen was servicing the loan. Our payments are being put into suspense and applied to the principal balance when we are making a regular payment. That is triggering our account to reflect being past due and bogus late charges applied to our account. We need to know if this mortgage is legal, we need to understand it and hopefully get someone to refinance us so we don't have to deal with PHH anymore. I have sent them numerous emails about the payments not being processed correctly and it just continues to happen. They don't know how to service loans and can very well kill our credit/fico scores because of their inability to do their job correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021 I received an email that the small business administration accessed a copy of my credit report and it is documented as an inquiry. I did not apply for anything. I was on the FEMA SITE getting help with filing my disaster claim because I was impacted by the flood in New Jersey. The volunteer walking me through the steps advised that the FEMA site is taking them to the SBA site. I then declined any loan or assistance. I did not authorize or request any services from the SBA. I reached out to them they told me I needed to file a dispute with the credit reporting agencies. I contacted Experian who sent me the alert and they told me I needed to file an identity theft police report at FTC, I went to FTC site and it has been very unhelpful. At this time everyone is refusing to assist and now I have this inquiry on my report that I never authorized.

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 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXBalance : {$0.00}, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.

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