BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received an American Express prepaid gift card in the amount of {$50.00} in an unopened and fully sealed package about 2 weeks ago. Today, I opened the package and tried to use the gift card for a purchase only to find that the card contained no balance. I called American Express to tell them about the fraudulent activity and they refused to do anything about it. They said the funds were used and card swiped at the time of the fraudulent purchases. I advised them I had possession of the gift card in its sealed package the whole time, but they still refused to address the problem. They said they treat the cards like cash, but if it were cash, I would have it in hand since it was in my possession the entire time. This is unacceptable for American Express to sell gift cards which are prone to fraud and leave the consumer who had possession of the card the whole time with no alternatives to get their money. On the packaging they even state " Funds replaced if lost or stolen ''. In this case, the funds were stolen and they refused to replace the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In trying to obtain a mortgage for a condo unit with Chase Bank, we initially shared ALL of our personal and financial information complete with all backup documentation which included the fact that we had an Equity Line on our current property. We were not told this Equity Line would be a problem and so we wasted a month and almost lost our purchase deal before we were informed finally after pushing our close date out that we had to greatly reduce this Equity Line or not receive a mortgage. We were also initially told there would be no 'points ' involved with this loan. As the close date neared with constant encouragement that we were satisfying all requirements, we received another mortgage confirmation letter which suddenly included 'discount points ' of 1.8 % and stated definitely that we would have to cap our Equity Line to a ridiculous amount. 
At that time, we went to XXXX and quickly and professionally were handled with no surprises and were able to close and purchase this condo unit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I enrolled in XXXX online XX/XX/XXXX I believe. I have been in school since XX/XX/XXXX till XX/XX/XXXX and I started school again in XX/XX/XXXX to present. I understand that I have a loan however, I have tried to communicate on several different times and have been unsuccessful. In the past years I was not able to pay the full cost of the loan being that I had an emergency medical situation in XX/XX/XXXX to present in which I have been managing. What I notice is that the contact company of the loan keeps changing or being bought from agencies to agencies. I notice that his information has been damaging my credit report and its a red flag. How can a person be able to acquire the resources to make payment when its damaging their credit and also increasing their interest on a monthly basis. Why continue charging a person a high interest rate on a loan where as the person is financially strap and no other option was available? I remember speaking to a customer representative concerning a student loan and my payment was 60 something dollars and I could not afford the 60 plus dollars and asked if I can make partial payments and I was told I would still be charge the interest even if I make the partial payments. So it was a loose situation. keeping in mind that due to my financial being and at the time not working I asked the questions and it made no sense to me why their weren't other options. Is there any other alternative to making an affordable payment? This amount I cant afford to make pay in full, but I would appreciate if it is remove as a negative on my credit report because the loan keep on changing hands plus its preventing me form getting help to do such. If I am in school what happens to that loan can it be put on deferment or another arrangement can be made? The information I got I couldn't access the information, so I am at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
See attached document. 

I have two credit cards with Bank of America ( account # 1 and account # 2 ). On XXXX/XXXX/XXXX, I received a letter stating that account # 1 was being closed because I have a pattern of late payments. There are late payments on account # 2, but they closed account # 1. For the late payments on account # 2, I was never notified of any payments due. No emails, paper mail, or texts. I did receive a call from XXXX with the following message : Hello this message is regarding an important servicing matter for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Bank of America. This is not a sales or solicitation call. It is however important that I speak with you today. My phone number is XXXX. The office is open today until XXXX XXXX Eastern Time. Thank you. 

Given the recent XXXX breach, I am careful about calls regarding my personal information. When I XXXX XXXX, I saw numerous reports of this being a scam number so I did not return the call. Im still not sure if that is a valid number to call or that they were calling about my past due account. The message does not provide enough details about the reason for the call. 

Bank of America reported a 30 day and a 60 day late to the credit bureaus. 

When I spoke to my contact at Bank of America, she informed me that I had automated payments setup, but the amount I chose to pay was not enough to cover the minimum payment. The automated payment setup screen for Bank of America credit cards is confusing and unlike any I have seen. It does not allow you to setup recurring payments for the minimum amount due each month. The main reason I use recurring payments is so I dont have to check my payment amount and due date every month. I believe the way this screen is setup causes unnecessary late payments and issues like what I am facing.

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 2015-10-06
Company: TRANSWORLD SYSTEMS INC
State: CO
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:
Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX account number XXXX, XXXX XXXX account number XXXX vXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 15 u.s.c 1681section 602 A. States i have the right to privacy. 15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-07-08
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CFBP, I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
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:
Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: JPMORGAN CHASE & CO.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My father, XXXX XXXX, is on a fixed income but financially stable with good credit. My brother who is a substance abuser, has no credit worthiness. My father and brother went shopping for a car, most likely a used XXXX that my father was to cosign for and my brother make payments. At the dealership ( XXXX XXXX in XXXX Ky ), a salesman discovered my brother 's credit problems. My father, not understanding what was going on, was persuaded to be the main borrower. The salesman proceeded to up-sale my brother a brand new car he could n't afford, and used my father to get the bank, ( Chase ) to secure the loan. Now Chase is harassing my XXXX XXXX XXXX father relentlessly, causing him untold stress and no payments have even been late! Is it possible to get my father 's name off this loan at this point? I realize he SIGNED the papers, but he 's elderly and honestly did NOT know what he was signing for at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.

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 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2016 I received an email from my boss authorizing me to send a wire in the amount of {$21000.00} to a consultant. I sent the wire and when I confirmed this with my boss, he told me he had never sent that email. My IT department informed me that the email was a " spoof '' that came from a XXXX address in Louisiana. I immediately informed Bank of America and put through a request to recall the wire. BOA informed me that they had recalled it and gave me a recall # to confirm. Today, BOA says they have still not recovered the amount yet. The wire was sent to an account at XXXX Bank XXXX in XXXX XXXX, MN.

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 2016-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question

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 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation