BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Gitsit Solutions, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Meridian Financial Services, Inc.
State: CA
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 keep getting a call from Meridian Financial XXXX. 
I have XXXX debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: DISCOVER BANK
State: NM
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Discover card account. The bill for this account was allegedly due on XXXX XXXX, 2016. On XXXX XXXX, 2016 between approximately XXXX and XXXX ( MDT ) I received 7 phone calls, one immediately following the other from a Discover representative. I called Discover at approximately XXXX to determine why they had called me multiple times in a row. The representative proceeded to inform me that I had allegedly missed a payment for which I do not recall receiving a bill, and that they were " concerned ''. She then explained to me that Discover has an automated dialing system that initiates these repetitive calls. She then " reassured '' me that the calls would stop if I made a payment over the phone. To my knowledge, this behavior was a blatant violation of the Congressional Act concerning fair practice in debt collection. Additionally, it constitutes harassment under most state criminal codes. Finally, I believe the statement that the continued, automated, repeat phone calls would stop only if I made a payment at that time is grounds for blackmail. Discover Card is a huge, multi-national lending corporation with plenty of regulatory compliance staff at its disposal. Therefore, their behavior was in willful and intentional disregard for the laws established by our federal and state governments. I hope with this information, you can find them accountable for this blatant flouting of the law in order to protect other financial consumers. Obviously, litigation is often not the most effective way to solve problems ; however, if you were to require standing for a cause of action, I was on the phone with them for approximately 30 minutes and my time and skills are worth at least $ XXXX/ hour on the private market. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Opened a Discover Online Savings Account to get a {$50.00} Bonus by opening it by XXXX/XXXX/15 and depositing {$5000.00} by XXXX/XXXX/15 and using the offer code XXXX. They said bonus would be credited by XXXX/XXXX/15. I did n't receive the bonus on XXXX/XXXX/2015 and every follow up to their customer service has them telling me it will be an additional 4-6 weeks ( the last time they said 6-8 weeks ) after they verify that I 'm eligible and met the requirements even though I 've sent them the proof that I 've met the requirements. Now they say it wo n't be resolved until XXXX XXXX, 2015 and that would make it close to four months since opening the account, not the one month they stated I 'd have the bonus. Feel I 'm not getting any where with them and continued correspondence would be futile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. 
XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. 
I went on line to create an account and I can not access my account. 



What are my rights to pay the bill with something more official?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, XXXX XXXX XXXX, XXXX, a Florida corporation, ( " XXXX '' ), towed away my wife 's car which was parked arguably properly with a note inside the car explaining that there was difficulty with payment at a parking machine. The vehicle had apparently been parked at HSBC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. HSBC 's lot had a sign referring to " display paid receipt '' and close on the sidewalk there was a machine that printed receipts for parking and it was not completely clear to her that the sidewalk machine was inapplicable to the HSBC 's parking lot. HSBC did not have any person collecting payment from its booth nor a parking payment machine in its lot on that day. My wife lost {$2.00} dollars in the sidewalk machine and left a note inside her car. XXXX took the car to a lot and refused to release it unless a payment of {$280.00} was made, and if significantly delayed then the price would increase. {$280.00} was paid to XXXX and then the vehicle was released. The invoice number is No. XXXX. Although HSBC was authorized to ask a towing company to tow a vehicle, HSBC was prohibited from having a contract with a tow company since a contract is a bargained-for exchange, which means that the towing company gave something of value to HSBC for the right to tow vehicles from the HSBC property. See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : " The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions :.. 
4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or vessels from a particular location. '' Furthermore, HSBC knew or should have known that XXXX would charge an abusive amount of money to release the vehicle, making HSBC liable for aiding in abusive behavior against the public. HSBC admits it had a contract with a towing company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX  about an account being reported by CONSUMER ADJUSTMENT CO. Please be advised their validation { not verification } of an item reported to XXXX  by CONSUMER ADJUSTMENT CO is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to CONSUMER ADJUSTMENT CO, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against CONSUMER ADJUSTMENT CO should this item not be deleted within the required time allowed by law. CONSUMER ADJUSTMENT CO is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Discover Financial Services has an 10 % Cashback Bonus when discover card is used to pay using XXXX for in-store purchases. When I tried to use the eligible card at an XXXX XXXX XXXX store, the charge got declined. When I called Discover customer service, they advised me to use physical card instead and then call customer service to get the 10 % Cashback bonus. I did just that! 
However, later when I called them they to refused to honor the promise and only offered XXXX points as a courtesy ( equivalent of {$10.00} ). The 10 % cashback bonus on that purchase would have been {$40.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fraud I did not purchase - the dispute is with Pay pal - A full and correct investigation needs to be done. Pay pal closed my case with out doing proper and invetigiation. Pure laziness. Below is the information I have of the fraud activity is to a shipping addresss in the state of PA when I reside in the state of DE.

XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX ) Payment - {$270.00} Shipped to XXXX XXXX XXXX XXXX, PA XXXX United States Have you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Category Retail Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: Nelnet, Inc.
State: PA
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 account has never been negative or late. I have submitted all documents and the account is still appearing only on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
A DUPLICATE CHARGE APPEARED ON MY ACCOUNT FROM A HOTEL STAY. DESPITE A DOZEN CALLS TO RESOLVE THE ISSUE, AS WELL AS A CONFERENCE CALL BETWEEN MYSELF, AMERICAN EXPRESS SERVE CUSTOMER SERVICE, AND THE HOTEL - DURING WHICH CALL THE GENERAL MANAGER OF THE HOTEL SAID THE DUPLICATE CHARGE WAS RELEASED BY THEM ON XX/XX/2017 AND SO THE RELEASE OF THE DUPLICATE CHARGE SHOULD BE REFLECTING ON MY ACCOUNT - STILL THIS FDIC-INSURED PREPAID AMERICAN EXPRESS SERVE CARD TECHNICAL DEPARTMENT REFUSES TO RELEASE THE DUPLICATE CHARGE. THEY ALSO SEIZED {$100.00} FROM MY RESERVE ACCOUNT TO COVER THE NEGATIVE BALANCE CREATED BY THIS DUPLICATE CHARGE WHICH WAS RELEASED ALREADY BY THE MERCHANT ( THE HOTEL ), BUT AMEX SERVE LABELED/EXPLAINED THEIR FORCED TRANSFER FROM MY RESERVE ACCOUNT AS HAVING BEEN DONE TO COVER THE CARD 'S MONTHLY FEE. BUT THE CARD 'S MONTHLY FEE IS ONLY A DOLLAR, AND THAT MONTHLY FEE IS WAIVED FOR DIRECT DEPOSIT CUSTOMERS, OF WHICH I AM ONE. SO NOW THEY ARE FALSIFYING TRANSACTION LISTS/STATEMENTS. IT SEEMS LIKE THIS SUBSIDIARY OF AMERICAN EXPRESS HAS GONE ROGUE, AND IS UNDER LIMITED TO NO SUPERVISION BY THE PARENT ORGANIZATION. ALL THE CUSTOMER SERVICE CALLS HAVE BEEN TRANSFERRED TO THE PHILIPPINES AND DESPITE THE FACT THAT THEY SPEAK ENGLISH AS A SECOND LANGUAGE, THERE STILL SEEMS TO BE A LANGUAGE BARRIER EACH TIME I TRY TO EXPLAIN THAT THIS IS A DUPLICATE CHARGE, NEVERTHELESS, WHEN THE MERCHANT THEMSELVES GET ON THE PHONE AND SAY THAT THE CHARGE HAS BEEN RELEASED, IT DEFIES LOGIC AS TO WHY IT REMAINS ON MY ACCOUNT, EFFECTIVELY BLOCKING ME FROM USING MY ACCOUNT THROUGH NO FAULT OF MY OWN. I HAVE READ SEVERAL ONLINE COMPLAINTS OF USERS OF THIS CARD HAVING THEIR MONEY AND DIRECT DEPOSITS STOLEN BY THIS PREPAID CARD COMPANY, AND I AM AFRAID THAT MAY HAPPEN NEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/2016, American Express representive stated my 0 % interest would continue because my husband is a disabiled veteran. Then XX/XX/XXXX a second representative stated American Express is working on it since I sent in my husbands XXXX already that was requested. I waited a few months or so and called American Express again. The third company representative told me that the reason the interest rate was not 0 % is because I took my husbands name off the credit card. I gave him the info for my husband. I even received my husbands card. The rep reassured me 4-5 times that " all is taken care of '' and " he will process the XXXX percent retroactive to XX/XX/2016 ''. When I called again, now I am being told that my interest relate is 13 % and nothing can be done after MONTHS AND XXXX Am express reps told me the 0 % interest rate would continue. 
I keep telling the new reps that I spoke with that because I was promised 3 times by XXXX different am express representatives that the 0 % interest needs to be honored since husband is a XXXX veteran, I was told by XXXX reps, I have written the CEO 2 letters stating it is the right thing to do as a best practice business decision this one time PLUS train their customer service representatives the correct information so this never happens again to a XXXX veterans family at a financially pressing time. 
If I was not reassured this 0 % interest rate would not continue, I would have been paying down this bill instead of doing lump sums to my other bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a care XX/XX/XXXX for a little over XXXX. It is XX/XX/XXXX and the amount owed on my car is XXXX. I also put down XXXX when I purchased my car. I made payments on time for a year like I was told and that Santander Consumer would report every 27 days and I would then be able to get out of my car which held a high interest rate within a year. That did not happen. I dont understand whats going on. Although I made payments on time for over a year I am not stuck in my car paying money towards a loan that is ultimately not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To CFPB, I would like for you organization to start entire investigation on my case, the said complained XXXX XXXX XXXX. as Trustee for Merill Lynch first Franklin Financial Mortgage Corporation with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.

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