BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a Macy 's credit card on Macy 's website. The website said that it required further processing and that I would receive a letter in 7 to 10 days. I received the letter ( which I 've included ) saying they were unable to open an account because they could not confirm my identity, and to call them. I called them and they ask me a couple of questions and said to hold they would finish processing my application. They DID NOT tell me they were running my credit for a second time! When they got back on the line they said I was declined because of my credit score. The letter said they could n't verify my identity and nothing about my credit score which they already new. They had ALREADY pulled my credit on XX/XX/XXXX when they sent me the letter. When they put me on hold and ran it again on XX/XX/XXXX without telling me they were doing that, it dropped my credit score XXXX points! That was the second time they ran it in 10 days. I would never have allowed them to run my credit a second time knowing they had just ran it on XX/XX/XXXX. I monitor my credit closely and was immediately alerted when my score dropped XXXX points. This has now dropped my credit rating to fair instead of good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: Solidus Group LLC.
State: AZ
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:
Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately.

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 2015-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I got a mortgage loan from beneficial mortgage XX/XX/XXXX. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died XX/XX/XXXX. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have regular Amex and a prepaid Amex. My prepaid Amex ends in # XXXX. Amex is doing away with the prepaid Amex card apparently. They sent me XXXX letters telling me that their fees were going up or they suggested I close the account. I called XXXX to close the account. I was told they had to mail me a check for {$1.00} ( the remaining balance on the card ) in order to close the account and avoid the fees. In order to mail the check I was required to update my address. With the help of the rep, I tried and tried and can not update my address because they need to validate my information. In order to validate my information I am required to send them proof of my address by fax or mail. I am not going to send in paperwork on my address or anything else simply to close out a prepaid card and get a {$1.00} cent refund just so I can avoid the monthly fees that are accruing. I spoke to the " supervisor '' of the information validation department ( XXXX ), who told me this is the only way I can avoid the fees. This is absolutely ridiculous on all levels. In order to avoid the fees I have to close the account, but can not close the account. Seems dumb. Just close the stupid account, keep the {$1.00} or send it to me, I do n't care, but I am not going to mail things back and forth just to update an address on an very old prepaid card. Seriously ridiculous. I may not be a customer of any Amex product, including the cc version if this ignorant behavior continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
After applying to the American Express Platinum card offer, that offered XXXX Membership rewards points if you spend {$3000.00} within the first 3 months of account opening. I went ahead and spent the {$3000.00}. The XXXX was given to me, and then taken back a few weeks later. After calling American Express and being run around by the staff, I received a letter stating that they are going to be removing the points. They never gave me an official reason. They owe me XXXX Membership Rewards points, as the spending requirement was met as you can see from my statement attached, was met with regular day to day spending. There still is no explanation as to why American Express has taken my points back, and I demanded them back from many different representatives. If you can be of assistance, I would really appreciate it! Thank you in advance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: RS Clark and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a little behind on my payments so I was contacted by a representative and we came to a verbal agreement that I would pay a month payment and then I 'd pay more in a few weeks, but before my next verbal payment was due, they came and retrieved the merchandise while I was at work. Then they added a whole months payment onto my account. I 'm not saying I do n't owe them but I know I do n't owe them what they 're claiming I do. I 've called then several different times for incorrect billing amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: I.C. System, Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
I talked to them today around XXXX today and they told me they will remove it in 30 days but I want this negative impact removed very soon I paid everything to them now I want my credit the way it use to be.

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 2023-05-31
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Client Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This compliant is against Beneficial Finance aka Household finance. 
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. 
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. 
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc has been contracted by XXXX to collect a debt. It was an issue with XXXX having XXXX separate accounts, of which we were unaware. It was corrected and resolved with XXXX, the service provider on XXXX/XXXX/2016 as confirmed verbally and on their website. 5 weeks later we get another letter from Tranworld demanding payment. Furthermore and THE ACTUAL COMPLAINT : on the bottom of the letter there is the disclaimer of their fair practices ; it gives the web address to file a complaint. However, that web address is a dead-end unless you have already received a letter from them with a special access code. So, they clearly are trying to run-around the fair practices law by making it nearly impossible to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
AMEX is reporting XXXX corporate accounts on my consumer credit report. Both have been disputed via all XXXX bureaus and AMEX directly. All consistently take longer than 30 days to respond or send " run-around '' letters claiming that they need more information. More importantly, these accounts were never shown on my consumer credit report for the many years they were in good standing. They appeared only after I lost my business to a fire and became delinquent. This is unfair credit reporting and I request that the accounts to be moved back to the business credit bureau reports and removed from my personal consumer report. This is the very reason why small business owners maintain corporations at great expense. The accounts in question are AMEX account identifier # XXXX for account ending in XXXX, and XXXX for account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Other

Complaint:
All XXXX major credit reporting agencies have received Disputes ( directly and through CFPB ) about the deletion drop off dates on XXXX ( simultaneously ) charged off, alleged Amex accounts on my credit report. Fairly consistently however they report the first major delinquency as XX/XX/XXXX. Thus the deletion drop off date is XX/XX/XXXX. Unfortunately XXXX, XXXX, and XXXX ALL report Amex has responded to their attempts to verify, the correct deletion dates via the " Dispute Response from Data Furnisher '' with a WIDELY VARYING deletion date. XXXX, in fact when there can be only XXXX. Clearly this is impossible if the Amex response to the CRA 's was consistent, accurate, and in fact, diligently investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX bills from XXXX that i did n't know about at {$100.00} a bill ; XXXX of those bills belonged to my ex girlfriend ... i contacted collection consultants to resolve the issue and they told me that i could n't resolve XXXX of the bills because there was a third party involved so i told them that if it 's on my credit report then i should be able to handle it otherwise they need to remove it from my credit report. I paid off the {$100.00} bill that belonged to me and when i contacted them a few months later to make sure i had nothing else on my report they told me i owed nothing else ... after going online and disputing those false charges on my credit report, XXXX and XXXX immediately deleted them from my credit report ... Collection consultants decided that they had changed their minds and rejected my disputes ; they now claim i can pay those bills or they will stay on my credit report ... they are a bad and disorganized company with evil intentions and will stop at nothing ; they lied to me and now are obviously acting in desperation to collect any money with no regards to the pressure and stress they have caused me ... please help me make sure they stop their unorthodox business practice towards me and all other consumers ... the lady i was in contact with from collections consultants goes by the name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BlueChip Financial
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?

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 2015-07-14
Company: BlueChip Financial
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Other

Complaint:
Alleged outstanding balance paid online using online web pay ( Lowes.com ). Found out about alleged outstanding balance while applying for a mortgage. The alleged amount was paid. In an attempt to not prevent mortgage processing delay, sent an additional sum in the amount if {$470.00} ( with an additional {$100.00} to ensure account finalized ). No efforts on the part of the creditor ( Synchrony ) to investigate the account - they just presented {$570.00} in funds sent to them without investigating anything. I am XXXX military and had not heard ANYTHING at all from this bank despite having other accounts open with them ( to include up to date contact details ). Syncrhony have destroyed my credit for not fault of my own and have prevented me in obtaining a critical mortgage - due to their inaccurate reporting.

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 2015-06-14
Company: DriveTime
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.

Company response to consumer: Closed with monetary relief