BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
For the last several months American Express has been applying interest to my account when there should be 0 % interest applied to this card until XX/XX/XXXX I contacted American Express XX/XX/XXXX regarding the most recent interest charge in the amount of XXXX applied on XX/XX/XXXX. I was informed that someone from Amex would be contacting me no later than XXXX. No one from Amex called so I reached back out to them on XX/XX/XXXX and was informed that a dispute was opened. I was not provided a dispute number/case number by phone or email. I contacted Amex on XX/XX/XXXX and Amex acknowledged that no dispute was ever opened. The previous XXXX months this issue was resolved in less than XXXX minutes by contacting customer service. I am uncertain why Amex has failed to credit my account as no interest should be applied until XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called MIdland Credit XXXX calls multiple times daily from XXXX I spoke to them once. They were looking for some person that does not live in my household. I told them not to call. I could not help them. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being harassed by frequent, annoying phone calls. These calls are coming through on my personal cell phone. They have no permission to call my cell phone. They are waking me up in the morning and calling all through the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: GVA Holdings, LLC
State: OH
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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: Investigation took more than 30 days

Complaint:
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms &  XXXX . This is p reventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX    XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to  an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.

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 2015-10-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous

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 2016-04-28
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.

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 2015-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.

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 2017-01-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I 've had my Best Buy Credit Card for several years, including through several bank switches. Some time in XXXX 2012, I was signed up for debt protection, which I never requested. I never noticed since I typically paid off my debts immediately. However, over the past 2-3 years I have been leaving a balance on my card. When finally deciding to to pay off the entire balance, I noticed I had been getting {$10.00} debt protection fees this entire time. I contacted BestBuy who told me to call this special debt protection number. I called them and they canceled. However, they could provide no details of when I " opted in '' other than a date. I asked for reimbursement. They told me it would take 30 days for a " decision. '' However, they offered to email details of my opt in. 

After 30 days we called to find out the decision and was told that a decision had not been reached, but we should receive something in the mail shortly. We never received a decision and never heard back. It has been 90 days. I received the letter regarding my opt-in and it was only a letter specifying the date, which I was already informed months earlier. We are still unable to get anything done through this debt protection company and credit card arm of BestBuy has no interest in this.

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 2017-02-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I check my XXXX score on a monthly basis to make sure that my credit score remain very high. I was never late with payments and all my accounts were in good standing. XXXX 2016 I noticed that my XXXX score dropped significantly. When I inquired, it was due to late payment from Macys. I was surprised so I called them, and they said you bought shoes for XXXX dollars ( which I returned and got credited for ) and a XXXX dollar candy bar ( which I did not return ). I told them I never received an email nor a statement or even a phone call. Now the charge is XXXX dollars which I gladly offered to pay if they remove the negative reporting. However, they said I need to pay it then I can talk to the collections department. How absurd is that? They have a right to report negative information but I have no right to defend myself? Now my credit score is down XXXX points because of a XXXX dollar candy bar? I had this account 7 years ago and not once was late. I hope to see more of your stores closed and see you in bankruptcy proceedings very soon.

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 monetary relief
Consumer complaint received 2015-07-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.

Company response to consumer: Closed with monetary relief