BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Other

Complaint:
On XX/XX/XXXX, I made a payment for hotel and flight reservations with my American Express card ( AE ) to XXXX, its travel agent, XXXX XXXX, located in XXXX, Oregon. 
On XX/XX/XXXX, I contacted the travel agent to cancel all of my reservations and request a full refund of {$2000.00} for the hotel. I have been disputing this charge with AE since XX/XX/XXXX to date with no resolution. 
In one of the attached emails dated XX/XX/XXXX, I was informed for the first time, that the hotel reservation was a non-refundable transaction. Though the transaction occurred on XX/XX/XXXX. Therefore, this is the problem I have been disputing with all parties involved, including AE, that the agent failed to communicate to me, either in writing or verbally, of any cancellation/refund policy. 
I do not believe I should be penalized for someone else 's negligence failing to notify its customer of any cancellation/refund policies. Neither did XXXX XXXX inform me of any third party provider of services until I received the vouchers issued by XXXX. And XXXX, upon its response letter to AE on XX/XX/XXXX. XXXX XXXX received her commission. Travel Bound received its payment. And I am stuck with a {$2000.00} AE bill due to someone 's ineptitude. No one is taking responsibility for failing to lawfully inform the customers of its business ' policies. 
On three ( 3 ) occasions, I have disputed this charge with AE. On three occasions, AE has informed me there is nothing more they can do to get the refund from the parties involved. As recent as XX/XX/XXXX, I was contacted by XXXX XXXX, American Express Executive Customer Care with the same response as before. I have observed a lack of protection towards its customer from AE. Evidently, AE has easily accepted a snapshot received from XXXX and XXXX as sufficient evidence to rule in their favor. I have provided written emails evidence to all noting that XXXX XXXX failed in her fiduciary duty to inform me, anytime prior to finalizing the transaction with XXXX. My evidence has been completely ignored. 
At no time did she mention any cancellation/refund policy. I have repeatedly requested all parties to provide me with written or verbal evidence that I was dutifully informed of their policies. All have chosen to ignore my request including AE. 
XXXX provided a refund of {$25.00} on the first dispute. I have asked for an explanation for the refund. Also, it has not been addressed in either of their response. 
Additionally, I am extremely dissatisfied with AE 's poor customer service support. During this dispute, I have observed a lack of support or protection towards its customer. 
I have also noticed XXXX website states their hotel cancellation/refund policy. If canceled 72 hrs or more, full refund. I canceled beyond that timeframe. I find this a deceitful practice to customers. I am requesting XXXX to provide a written explanation of the contradiction of this policy and its refusal to issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern, My name is XXXX, this is regarding my recently approved XXXX XXXX Business Card with Barclays Bank. My application was approved on XX/XX/XXXX. After ( 2 ) full weeks no receiving my card, I contacted the company on Friday XX/XX/XXXX and wasted over a hour on calls and being transferred to incorrect departments. 

Saturday XX/XX/XXXX I tried calling again to the business card department and learned that someone stole my card, and fraudulently shopped at multiple locations in New Jersey since XX/XX/XXXX spending $ XXXX+ dollars with this card. The customer service rep could not answer me how could the authorization process was completed to allow this person spending such amounts on this card without my personal credentials. Then I was transferred to the fraud team where I spent another hour confirming that all these charges were fraudulent. I was promised that all charges will be disputed, nothing to be worried. The agent also promised me to overnight the card to me via XXXX to ensure proper delivery. 

Monday XX/XX/XXXX Since I did not received the card, I tried calling again in the evening and learned that there's an address issue with my card, and can only be resolved by a supervisor team member. It was too late ( XXXX or XXXX ) when I called so I should give them a call back on Tuesday Tuesday XX/XX/XXXX I contacted the team again, wasted another hour and finally got a supervisor team member to clear this and confirmed that they card will be delivered by XX/XX/XXXX Wednesday XX/XX/XXXX The card did arrive via XXXX. After dinner, I called the number to activate my 'replacement ' card. Then I log onto my desktop to register via the bank. As soon as I log in, I see my current balance exceeding my credit limit ( see attachment ). After carefully study the transaction record, I learned that the bank also missed disputing ( 1 ) of the fraudulent charges. So I had to call the bank again - wasted another hour or so, spent 80 % of times being put on hold and was told the agent was still 'waiting to hear back from the security team ' - issues remained

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 2016-10-01
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: SC
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Blakely-Witt and Associates, 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:
I have contacted Blakey-Witt with no succes. I called XXXX XXXX. No call back. I also contacted them through mail on XXXX XXXX. I submitted a complaint through the BBB and have had no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MD
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 called XXXXXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$90.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PORTFOLIO RECOVERY IS REPORTING THAT I OWE A DEBT IN THE AMOUNT $XXXX I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a payment until XX/XX/XXXX. he laid out our apr monthly payment and fees. well we were reported as being late for the month of XX/XX/XXXX and is at risk of being reported late for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the payments are n't our original loan agreement we are subjecting ourselves to being reported as being late for the next three months.so our credit score is going to really suffer. and at this pint there is no way out of this mess. unless we pay XX/XX/XXXX and XX/XX/XXXX in full by the XX/XX/XXXX. meanwhile even though we were struggling because a lost of income we were never ever late to the point that we would be reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After careful review of my consumer reports, I noticed an account on my report from CBE Group account number : XXXX I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between CBE Group and I would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had CBE Group sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that CBE Group provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( 2 ) XXXX XXXX XXXX  Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: AMERICAN ADVISORS GROUP
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
In the XX/XX/2016 I submitted a request for a reverse mortgage with American Advisors Group ( AAG ) a nationally advertised finance agency which specializes in allowing seniors, age XXXX and over, an opportunity to " remain in their own homes '' by establishing a line of credit and freeing them from monthly mortgage payments as long as they remain in their home. Soon after the process began I was hit with a series of financial demands. First there was a fee of {$120.00} for a required reverse mortgage counseling course. Next there was a {$450.00} fee for an appraisal. As a result of the appraisal there was a requirement that co2 and smoke detectors be installed in my home 's XXXX bedrooms at a cost of about {$150.00}. The appraisal said the home is worth {$120000.00} with an outstanding principal on first and second mortgages with XXXX of {$93000.00}. In addition to the appraiser I also had a visit from an AAG agent and during his visit he had me sign a series of what I assumed were contract agreements which, among other things, notified my home insurers, XXXX XXXX, that AAG was now my mortgage holder. All this occurred by XX/XX/XXXX. I had no further contact with AAG until after the holidays. I had been told in XX/XX/XXXX that the process would be completed by early XX/XX/XXXX and that I would be able to use money that would be going in lieu of a XX/XX/XXXX mortgage payment to buy XXXX presents. This statement was made by my mortgage counselor, XXXX XXXX. During the second week of XXXX after weeks of not being able to contact AAG, I finally contacted XXXX XXXX. I was informed that his loan committee had declined to approve the reverse mortgage. The reason he gave was that the {$34000.00} equity to loan debt margin was not large enough to approve. On XX/XX/XXXX I received a 2nd-day air package from AAG with a form letter explaining the denial. Their reason was listed as not being able to verify enough income to cover closing costs. At no time was I ever asked in I could cover such costs nor was it ever suggested as to the amount of closing costs or that it would be my responsibility to bear them. At no time in the process prior to XX/XX/XXXX. was there even a hint that the request would be denied. I find this all ironic in that AAG 's advertising campaign makes reverse mortgages seem like a constitutional right guaranteed by President XXXX and endorsed by high-credibility spokesmen such as the late XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a motion to transfer letter from Blatt, Hasenmiller, Leibsker & Moore LLC on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted Blatt, Hasenmiller, Leibsker & Moore LLC regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the XXXX letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - XXXX XXXX XXXX. This letter regarding motion for transfer is the XXXX correspondence received from Blatt, Hasenmiller, Leibsker & Moore LLC at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

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