BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I consulted XXXX to consider taking my legal case. I was told that I needed to pay a retainer so the law firm would be able to take my case because they where pro bono to the max. After making payment, I suspected that the firm turned my retainer into an opinion letter with no real consideration on representing my case and notified the law firm that I already paid for an opinion letter and I was only interested in having my case represented. The law firm use bait and switch tactics presenting me an opinion letter with various errors and conspired to make me talk to their XXXX and used that as the sole reason to deny representation after the fact. I was told that I may have to pay fees to the doctor but I was never informed that I would have to talk to a doctor and the single reason my case would be denied representation could be based on just that fact. Additionally, the law firm invoiced me and went back and added more charges after the fact. The service that I was led to believe I was paying for was substantially misrepresented and converted into a fancy email with many material factual errors and when those errors where mitigated the law firm decided to fall back to the 30 minutes XXXX as the sole reason to shirk their duty. I was substantially led to believe my case needed to be evaluated so that I could be represented by XXXX when in fact XXXX only planned to rush an error prone glorified email report with no real intentions of representing my case using any means to reduce the merits of my case even though I corrected the majority of the discrepancies only to be denied from their internal XXXX report even though a retainer had been solicited. Retainers are generally used for the duration of legal representation in my opinion and this bait and switch tactics is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Universal Account Servicing, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We bought into a XXXX membership and they had us go through Universal Account Servicing LLC to finance the membership. We bought in on XX/XX/XXXX planning on using the membership in the future. This XX/XX/XXXX we went to use XXXX and found out they closed all their locations in New England in XX/XX/XXXX. When I found out the showrooms all were closed I contacted XXXX and informed them I believe the franchise owner knew he was closing all his showrooms ( 3 months ) and sold us a membership anyway. I informed XXXX the reason we bought in was the showroom and advisers, which now we did not have access to. At first XXXX would not cancel the membership. I contacted the Attorney General Office and filed a complaint. When I informed XXXX I filed a complaint with the AGO they Pro Rated a refund/cancellation. After the settlement I spoke with AGO and I was informed there were other complaints with XXXX. while speaking with AGO I mentioned that our credit rating was poor and we were turned down for every credit card and credit purchase. I asked about how we were able to get a {$4000.00} loan when we have been turned down by every other company, AGO said I should contact the Banking Commission. I am contacting you because I fell this was a planned scam. And if you have any other complains with Universal Accounting Servicing LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSWORLD SYSTEMS INC
State: MI
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 copy of my XXXX credit report and noticed that transworld systems have been checking my report on XXXX different times XXXX and XXXX. I do n't have a account with this company. I XXXX the company name to find that they are a collection agency. They never tried to contact me by phone or mail just keep looking at my report as an account inquiry. I do n't know who they are and would like them to stop looking at my report I do n't want this to end up on my report without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.

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 2016-04-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Credit Management , Inc, is reporting me for collection unjustly because I tried to pay my supposed debt with them and they say that my account is under other company. However, they continue reporting me for collection. It is happening for at least three months. In addition, they have increased the amount of my debt without a reason. My question is, how a company can report me to collection when I have called them three times on three different months to pay my debt and they do not want to give a solution to my case? According to their representatives, my debt is under a legal department but I did not receive any paper from that department and also they have to supposed to receive my payments and do not report me for collection because I have been opened to pay my supposed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I called to cancel my spg american express card. The american express rep talked me into upgrading my card to a XXXX XXXX card. I reluncantly accepted. They send me the new card and I see they upgraded a different card. I have contacted American Express 5+ times and have gotten no where. This is fraud as they upgraded another account that I did not request and they will not fix this issue. Mulitiple requests have been sent and cases have been closed they say by error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: PACIFIC WESTERN BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They never answered me with details of this account. They said it was frozen, now they say it was closed. Insufficient reply, without all the account details. Just to say the account is closed is not good enough, especially when th e U.S. Justice Dept. Had a case against this bank when it failed, regarding corruption. The bank name was *Affinity and it changed to *Pacific Western Bank . I 'm requesting an inv estigation as a consumer, with your agency.

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 2016-01-16
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX of 2015 Quicken Loans agreed to a short sale of my home located at XXXX XXXX XXXX, XXXX Mi. XXXX. As part of this agreement, Quicken Loans included in the contract that I would receive {$1000.00} if my home were to sell by XXXX XXXX, 2015. The sell of the home took place on XXXX XXXX, 2015. As of today I have not received one penny of the {$1000.00}, which is 5 months after the sell of the home. I spoke to XXXX XXXX at XXXX XXXX weeks ago and receive no resolution. 
Dealing with Quicken Loans has been one of the most frustrating and stressful experiences I 've ever had with a company. They talk about service and doing everything they can for their customers, but in the end they care nothing about customer service. If a company signs a contract, they should honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Citi credit card since XXXX ( almost XXXX years ). In those XXXX years I have built up my credit history and have maintained a pristine record. I was a consistent user of the Citi credit card for over a decade until their level of service declined, their interest rates went up and I decided to use other cards. I have occasionally still used my Citi card, but not as consistently as before. A few days ago I received a letter from Citi informing me that they were terminating my credit card as well as the credit line associated with it. This damages my credit availability and my credit history ( since this is one of my oldest credit relationships ). I would like to have my credit card reinstated under the old terms ( prior to the unilateral cancellation ). I do not want to have my credit report pulled for the purposes of reinstating my account as this lowers my credit rating/FICO score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My income tax was garnished in violation of 15 USC 1692-1692p. Not my debt nor did the lawyers of the recovery company contact me nor did they provide whose debt this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Lending Club Corp
State: TN
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's and DSNB AMERICAN EXPRESS issued me a card. This was a single card. The card was used without my knowledge or permission. This was a card that had no activity for years then in two months was maxed out. The company never notified me while it 's sudden use started or took notice some charges were not even in my city. Now, even though it 's XXXX card, XXXX credit deliqencys exist. I have repeated told them it was not me and disputed charges.

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 2016-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.

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 2015-07-20
Company: Ceannate
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Caller from FMS - Financial Management Systems keeps calling a relative, identifying themselves as XXXX Student Accounts. I do not have a student account with anyone in which I owe ; however, they have disclosed my personal information and continue to call repeatedly after being told that I do not live there and have not lived there since 1996. Have contacted them and asked them to stop, but they do not. My relative is over XXXX years old, and they continue to harass him.The contact information I have for them isXXXX XXXX XXXX XXXX - XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I started working with Amerisave Mortgage to refinance my existing mortgage with a view to lowering my monthly payment. I eventually received a lock-in rate of 3 % with a monthly payment including taxes and homeowners insurance of about {$1800.00} to {$1900.00}. I have been trying, unsuccessfully, to establish a closing date and Amerisave now wants over {$7000.00} in cash at the closing. We did have a date but Amerisave now denies any knowledge of this. In XXXX I disgustedly told Amerisave to refund what I had paid for an appraisal ( {$420.00} ). They were supposed to call me back on XXXX. They never did. I would like them to to make the loan on the terms they described to me. I have tried to deal with other mortgage companies but they can not offer me the same terms because of fluctuations in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Harris & Harris, Ltd.
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 have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.

Company response to consumer: Closed with explanation