BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
There is very little information of the interest rate benefits of scheduling auto payments on my servicer 's website ( ACS-education.com ). Specifically, there is no information on it in the pages having to do with auto-payments ( ACS XXXX XXXX ). I have been making regular payments now for almost two years. I reviewed the ACS XXXX XXXX webpage several times throughout the time that I 've been paying back this loan because other servicers I use have made this information clear. Today, I finally found the following sentence in the Info Center section of the website : " Please note that many lenders offer interest rate reductions for accounts that are enrolled in an automatic deduction program. Just send an e-mail to us and we will notify you of your eligibility. '' I believe this information was intentionally hidden for the sake of profit. I believe this information would have saved me a decent amount of money if it were more easily accessible. I emailed them today, and am looking forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: DriveTime
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
DriveTime reported me 30 days late on XXXX/XXXX/2015 for not making a payment on a loan that was paid off by XXXX in XX/XX/XXXX. There is no payment due yet they reported a late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: BlueChip Financial
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has multiple accounts for medical-only bills. XXXX of the accounts went to a judgement. I set up payments starting in XX/XX/2016 for {$50.00} every other Friday. When setting this up, I was ensured that all payments would go toward judgement accounts, not others. I called on XX/XX/2016 to inquire about balance, and was concerned it did not match up with my personal records. They sent me a detailed statement. I called back on XX/XX/2016 and spoke with XXXX and found out that there were many discrepancies, including the fact that payment had been applied to other low-balance, non judgement accounts. XXXX, I also pulled my annual credit report and found that account numbers and amounts did not match the records they provided me with. I asked for someone to call me or provide me with written documentation when the payment had been fixed reflecting the amount I paid, but was told that was not possible. XXXX became very irritated and aggressive when I let him know I was concerned by the discrepancies in all my information and would not be making further payments until I knew where my money was going.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attention : Customer Service for PennyMac Loans Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because you have not applied my mortgage payment properly since XXXX XXXX. I made all payments timely ; however, my loan was reported adversely in XXXX XXXX. Second, my loan payment has increased over {$150.00} dollars without any explanation. As such, I am requesting a full accounting of my loan payment as I feel like Penny Mac is engaging in predatory practices while servicing my loan account. On XXXX XXXX, XXXX, I contacted your loan department and no account explain why my loan payment increased. A supervisor in XXXX lied to me and stated he would follow back up with me regarding my account. He never did and now I am being forced to make a payment I ca n't afford. Taxes and insurance are included in my loan payment and Penny Mac is not properly paying and/or accessing the proper taxes.I am requesting a full accounting of my loan account, all loan documentation to explain credit reporting and escrow payment increases. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within 30 business days. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I booked a wedding at XXXX paid a deposit on my amex card in XXXX 2016 this was paid for in full my contract with the club asked for a check on the final day in XXXX 2016 which I wrote prior to the party. There were many issues that the vendor did not resolve and things they did not follow through with on their contract I am starting a small claims regarding this. I put a stop on my check for the final amount until they can work out a resolution. On XXXX XXXX 2016 the XXXX put a charge through with AMEX for XXXX dollars. This was not authorized by me nor does it allow in their contract I called amex to dispute after a month they put the charge back on and said the company had authorization. That is not the case they showed them the old deposit authorization. I just wrote and official letter to AMEX explaining the above because when you call you get nameless faceless people in a company that is far to large to handle consumer complaints I dont wish my credit to be ruined or reported late during this dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On or about XXXX XXXX, XXXX XXXX XXXX wireless merged my cell phone account, acct # XXXX, was merged to account # XXXX, without authorization. The " unified account '', was merged with a " ghost '' or " non existent '' Account. This unauthorized " unification '' caused numerous and ongoing billing issues. These billing issues resulted in XXXX XXXX XXXX being unjustly enriched. Additionally, the change in denied me of services for which XXXX XXXX XXXX billed. Upon realization, I contacted XXXX XXXX XXXX XXXX, spoke with XXXX ( ID # XXXX ) and received Case Number XXXX, XXXX XXXX, XXXX, approved by his manager XXXX ( ID # XXXX ). Per direction, I contacted the credit card companies for which the charges were tendered to XXXX XXXX XXXX XXXX, due to XXXX XXXX XXXX XXXX Fraudulent Billing. One of the credit Card companies being, American Express Serve. American Express Serve was very unprofessional, leaving me on hold for an extended amount of time, requesting I send copies of my other credit cards, and information unfitting to the situation. The representative was not English savvy or helpful ... leading me to filing this claim. 
Rescission of contract to XXXX XXXX XXXX XXXX for failure to provide contractual services, unjust enrichment and other violations Under Maryland law, a claim of unjust enrichment is established when : ( 1 ) a party confers a benefit upon another ; ( 2 ) the benefiting party knows or appreciates the benefit ; and ( 3 ) the benefiting party 's acceptance or retention of the benefit under the circumstances is such that it would be inequitable to allow him or her to retain the benefit without the paying of value in return. XXXX v. XXXX, XXXX Md. XXXX, XXXX ( XXXX ), quoted in XXXX v. XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ). " The doctrine of unjust enrichment is applicable where a party, upon the circumstances of the case, is obliged by the ties of natural justice and equity to refund the money, and give rise to the policy of restitution as a remedy. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ) ( citations omitted ) ; XXXX, XXXX. has tendered accordingly to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for an American Express Gold Delta SkyMiles credit card on XXXX XXXX, 2014 and was given a confirmation online that confirmed a promotion of XXXX airmiles after I made {$1000.00} in purchases within 3 months. I made a transaction of {$1000.00} in the first month. I was told in XXXX 2014 that I did not qualify for the offer because I had a Delta card previously. This was not mentioned in the offer when I applied. 
I have contacted them repeatedly and they have refused to add the miles. 
Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off

Company response to consumer: Closed
Consumer complaint received 2016-04-01
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls at my place of work, a XXXX office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and he was prohibited from calling to collect debts at this office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and she was prohibited from calling to collect debts at this office, and that a complaint would be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Union Adjustment Company, Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: West Virginia Housing Development Fund
State: WV
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
There 's an organization in West Virginia that 's loaning money to Municipalities for demolition and these loans are required to be used for redevelopment. The Agency is called the West Virginia Housing Development Fund and they 've loaned about XXXX XXXX dollars to the City of XXXX, WV and countless homes have been destroyed by way of illegal use of theses funds. Residents and property owners have had their homes wrongfully Condemned and placed for demoltion and have been denied the opportunity to repair or do work on their houses. Funds loaned to the Municipalities were required to comply with WV XXXX The Urban Renewal Authority Law for Slum Blight Clearance and owners were by law to have had their homes acquired and compensated. This did n't happen and the City of XXXX demolished houses that they had no intention of redeveloping and vacant lots were left and owners told they could n't build on the land because variances had changed so that they were left with a useless piece of land. Incidentally. houses were Condemned by uncertified Code Officials that XXXX hired and permitted and hired them to do this. There is a lot that XXXX 's XXXX mother lived across the street from that I owned and the neighbor was friends with the City Officials and complained to Code Enforcement until the house was Condemned and placed on the Demolition list, torn down, and vacant lot obtained by XXXX from my bank whom I was buying the property off of. The bank told me to deed the property back over to them or be foreclosed on and then the bank deeded the property over to the City for partial payment of the demolition cost and the neighbor who all along wanted the lot purchased it from XXXX.There is a property where a demoltion occured and the lot where the City demolished it later was the sight of new construction of a apartment house owed by the XXXX City XXXX 's brother and his XXXX called XXXX. This all sounds like racketeering and must be stopped and acted upon. Please help this stop-now XXXX is using XXXX XXXX XXXX XXXX to continue on with the illegal demolitions. The WVHDF is now lending money again illegally to the City of XXXX, WV Thank You, XXXX XXXX

Company response to consumer: Closed with explanation