BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Says I lived in  XXXX   XXXX , Nebraska. That is wrong. I lived in  XXXX   XXXX   NE for only 4-6months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I called Amex on XX/XX/XXXX to request a few extra days to pay my bill due XX/XX/2017. The representative was kind enough to give me a thirty day extension. I noticed on XX/XX/XXXX a late fee of {$38.00} was generated. I called Amex and explained that I had been given an extension and they credited the late fee. To my surprise on XX/XX/XXXX I was hit with a {$550.00} finance charge. I called Amex on XX/XX/XXXX and after first being told they could n't do anything a supervisor told me they would have to investigate the XX/XX/XXXX call and it would take XXXX business days. Five business days elapsed and I 've been told they have no timeline for resolution. Today I was hit with a {$230.00} charge that I was informed was a trailing interest charge from last month though I paid the balance in full on XX/XX/XXXX when it became obvious they had made an error with the grace period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On or about  XXXX   XXXX ,   XXXX  , my credit card company lowered  XXXX   XXXX   XXXX   XXXX   XXXX  my available balance from {$4500.00} to {$2400.00}, which is approximately the amount owed. I have used my credit card, well within the terms of our agreement, and I have made my recent financial decisions based on my credit line. This decision came without notice, and has now demolished my credit ratios, and ruined m y credit score . I have asked the company to please advise me of any appeals process. Thus far they have refused to reconsider this decision on the face, or otherwise advise me of any appeals process. They are being extremely unhelpful.     I have a 100 % on time payment with this card, and with every other card, and with every other debt that I carry. I have a job, and I own a home, and  XXXX  cars. It 's not so much the money that I am concerned about, it 's that this malicious action has jeopardized my  credit score,  and therefore my financial well being and that of my family.

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 2015-12-14
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested pursuant to our CFPB Regulation Z, 12 CFR 1026.39, Mortgage transfer disclosures information on my loan.The mortgage servicer Specialized Loan Servicing is not providing the name of the new investor for the loan. 
I also request the date the mortgage and note was transferred or placed into the Trust XXXX as Trustee Relating to the XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX pursuant to CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ), Specialized Loan Servicing is not providing this requested information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Good day, I am writing this complaint due to the way I was treated by merchant Synchrony Bank as a longtime customer I expected better. Their sarcastic and condescending behavior is not appreciated. I also work in the   XXXX   XXXX   and this is not acceptable by any means. I contacted this merchant on  XXXX  to resolve a matter on which I was not aware until now ; I was lied to by the original merchant (   XXXX   ) about the promotional period. When I noticed that I was going to be charged an additional {$680.00} in deferred interest as of  XXXX / XXXX /  XXXX   I immediately contacted Synchrony Bank to resolve the matter. This merchant was less than helpful their representatives are less than knowledgeable and very frustrating ; all they do is repeat the same thing over and over. I tried escalating call however was left on hold for 30 minutes, I also tried calling this merchant back on  XXXX  to again try to resolve the matter and again they were not helpful. I have  XXXX  other accounts with this merchant all my accounts are in good standings and have never had this or any issues.     As a consumer I have to be given a fair chance to pay a debt off. How can this happen, you are telling me that my bill of {$860.00} will increase to {$1400.00} as of  XXXX / XXXX /  XXXX   and will take me another 3 years to pay this debt off. This is due to no fault of my own I was lied to by the original vendor (  XXXX  ) I should not be the  one  to suffer. I would not have purchased the product if I know this is what the terms were going to be. Synchrony Bank said pay the remaining balance in full by  XXXX / XXXX /  XXXX   to avoid the additional interest. I have reached out to Synchrony Bank on   two   occasions  XXXX / XXXX /  XXXX   &amp;  XXXX / XXXX /  XXXX   with no resolve.     Regards

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 2016-11-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/XXXX I went to speak with a salesperson at XXXX Honda in XXXX. I was only going to get an inquiry about my vehicle that was due to be turned in because the lease was going to be up. I had been in a small fender bender, ( in my current vehicle ) and Honda told me they would take my vehicle right out from under me and put me in a new one, I said to them " of course you would, but at what cost? because I was just discharged from a bankruptcy and I want to make a fresh start, where I do n't put myself back in the same financial bind ''. They showed me a XXXX Honda XXXX. The salesman kept going back and forth with his Manager about pricing, looking to see what he can do for me. I knew that my credit score would effect the payment amount but I was curious to see what they could do for me. The salesman came back and said I can get the car for {$480.00} per month, that is without insurance. I told him that is just way too much for me, I know I wo n't be able to afford that!!! He kept saying " Come on I want to help you '' I said seriously there is no way I can or want to pay that much for a car because I 'm just coming out of a bankruptcy and want to better myself. I told him " I am just here to inquiry about the vehicle I have to turn in on XXXX XXXX ''. He kept pressuring me by saying " let 's just do it now while you are here ''. Looking back at the situation I was very vulnerable and in a position where I was desperate, because I needed a car since my lease was expiring in a month. I really did go in just to inquire and be better prepared when I do have to turn my car in. But, I feel like I was taken advantage of considering I told them what my situation was. All they wanted to do was make a sale and not consider what I could afford. XXXX is currently holding a postdated check from me, that I do n't have the $ $ $ for. They took a post dated check knowing I do n't have the money, now I 'm in a bind because I feel pressured to somehow come up with this money. My 1st payment is coming up and I do n't have that either. I really wish the sales people cared about people and not just pushing a sale right there and then. I 've tried taking the car back but they mislead me to believe that my payments will drop when my credit score improves in a month, but what about the money I have to come up with now??? I feel very helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spouse fails to meet deadlines for refi Spouse fails to meet deadlines for assumption Spouse fails to pay home, stopping payment during assumption putting loan into modification I completed modification Requires spouse to sign to " official complete " modification for deliqunency to be removed so I can assume loan Spouse refuses to sign loan modification I have live in home entire time over 7 years  Spouse  moved out  XXXX / XXXX /  XXXX   I paid all bills Spouse causing harm I provide safety, security provide shelter to  alll   XXXX  children and  XXXX  child has   XXXX     XXXX   XXXX , renovated home and purchase and a air condition system specifics for   XXXX   XXXX   XXXX  control humidity to prevent  XXXX  illness from worsening The fair right act Causing harm to family

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 2021-12-20
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/2021 I received a letter in the mail from Linebarger Goggan Blair & Sampson LLP - Attorney at Law - that was a " Notice of Delinquent Court Fines '' Stating I had a stoplight violation that received court fines that totaled over {$200.00}. I found this odd since I know that I would have received some sort of notice about the violation first before it going to court. In XXXX, I paid the invoice thinking I must have missed the original notice. Then in XXXX, I saw on a reporting website this same exact letter that this is a scam going around. I contacted my banking institution and am disputing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, I submitted a Mortgage Assistance Application to Wells Fargo XXXX XXXX looking for modification of my loan. On Friday, XX/XX/2021, I received a letter from Wells telling me of the only option they were offering. It is a short sale of my property! 
I called and spoke with the agent who answered the phone for the person designated- XXXX XXXX XXXX. XXXX answered her line this morning. 
I have made payments on this line for many years, since the line matured. It's a {$370.00} monthly payment of which {$300.00} goes to interest. This means they have received tens of thousands of dollars on this loan with only about {$3000.00} going toward the principal. 
Please note, Wells is participating in a federal program here in California via XXXX or the XXXX XXXX XXXX. It's the XXXX XXXX XXXX  XXXX. They are receiving millions to bring their first mortgage customers in arrears current on their mortgages. 
This is one of the reasons their offer to me is so galling. Also during the Obama administration they delayed assistance I requested until the program ended, denying me the loan forgiveness I requested and should have received. 
Let me know if more information is needed. Thank you!

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 2016-09-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a American Express Add on card. I was denied and was told due to non payment from the year XXXX. I filed a personal bankruptcy in XXXX and was discharged. After 16 years and good credit american express will not issue this add on card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My husband applied for  a Chase c redit card  (   XXXX   XXXX   ) to transfer the balance of on  XXXX  of our high interest credit cards. It did not transfer the entire balance in  XXXX    XXXX  . I went to payoff this credit card and saw that we were charged the {$93.00} balance transfer fee. I called chase today  XXXX  and spoke to an associate to see if this fee could be waived since I was paying the card off and the account was not serving its purpose for us. He said he could not help and transferred me to a supervisor. The supervisor said this fee is not able to be waived and he did not care about our situation. We have had the account for less than  2    weeks. We have never used the card and was asking as a courtesy to have the {$93.00} fee waived. I do not see why the fee could not be waived. we are not planning on using this account. In fact I paid off the card and am planning on closing the account. Please assist in getting this {$93.00} fee refunded to myself. My husband and I are trying to get out of debt. we just had a new baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up with Equifax and    XXXX    to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   X/XX/XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every 30 days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about  X  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated ( daily ) calls from Midland Credit Management , Inc . They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Attached with is complaint is correspondence from me to Equifax  Complaint Department. Letter has been sent to dispute credit inquiries that I did not authorize, Letter was sent to verify collection accounts listed on credit report and if unable to verify, please delete. No response has been made regarding either letter that Equifax has received. Also, in attachments is a letter from   XXXX   XXXX   which I personally disputed, to which   XXXX   XXXX   sent myself a letter stating a decision was made to discontinue collection efforts being that the account was not verified nor belong to me. Same letter correspondence with collection company  XXXX  to which they also have ceased collection activities. The discrepancies listed on my credit report is making it very hard to obtain credit especially being that the entries described above were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency  Portfolio Recovery Associates   XXXX   XXXX  . On my  XXXX  credit reports  (    XXXX   XXXX   XXXX   ) . I have disputed this item many times myself, as well as  XXXX   XXXX   XXXX  ( which during this process it WAS removed from my report &amp; placed back on without giving me any notice within 5 days ) only to have it still remain on my  XXXX  credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when  Portfolio Recovery Associates   XXXX  purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a   XXXX   XXXX   XXXX  letter to  Portfolio Recovery  asking for  VALIDATION o f this debt. A contract, signature, amount owed, how much they (   PRA )   purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL  XXXX  credit bureaus within a timely manner &amp; to NOT be placed back onto my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to XXXX that they purchased from XXXX Bank in clear violation of the FCRA. I have disputed with XXXX and it always comes back " verified ''. When I inquire with XXXX " what method they used to verify '' they do not respond. This is another clear violation of the FCRA by XXXX. I am ready to file litigation against Asset Acceptance and XXXX if this account is not removed right away. I will also file complaints with the XXXX, State Attorney General and anyone else that will assist me in righting this wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old.  I was incarcerated when the debt went into default. I have not been notified of the debt from  XXXX   XXXX  or  XXXX ,  XXXX   XXXX   Protas, Spivok &amp; Collins, located in  XXXX  MD, until this time. The {$710.00} debt  has accrued other interest and fees over the years, totaling over {$1500.00}.

Company response to consumer: Closed with explanation