BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a American Express XXXX card in early XXXX with an offer of XXXX membership reward points after spending {$3000.00} dollars within 3 months. I met this minimum spend on XXXX XXXX which was confirmed by multiple customer service reps. I was told that according to the terms and conditions, I would have the points available by XXXX XXXX ( after 8 weeks ). I attempted to transfer the points on XXXX XXXX and received an error code. I called Amex customer service who could not figure out what the error is. They said to try again on Monday, XXXX XXXX. I attempted to transfer points to an airline partner and again received an error code. I called customer service who also were not able to transfer the points. They transferred me to a membership rewards specialist who told me there was a hold on my points for XXXX8 weeks which should have cleared by today. The customer service rep looked into it and did not have a reason for why my points were unavailable. He recommended waiting another couple weeks, to check back XXXX XXXX. I expressed my frustration that I had met the spend, waited the entire 8 weeks, and still could not use my points. The representative apologized but stated there was nothing to be done but keep checking back every week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX refuses to lower my payments to a reasonable amount for my income level. Ive never missed a payment but also have never been able to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: MOHELA
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have an American Express credit card before, during I travel out of the U.S., someone stole my credit card information and use my credit card in U.S. After I found the fraud transactions, I reported to American Express . However, they just blocked my account and finally sold to a debt collector. This has great impact in my credit report. I called them so that we can resolve the problem, but they just asked me to call the debt collector. When I called the debt collector and told them the situation, they ask me to call American Express. Then I called American Express again and wanted to negotiate with them, but they refused, and they keep asking me to call the debt collector. When I try to call the debt collector again, they never pick up my phone. Again, I call American Express, they still keep asking me to call debt collector. 
The reasons I need to complain as follows : First, someone hacked in American Express 's system and steal my information is their fault, they failed to maintain a security system to protect their customers. 
Second, after I reported fraud transactions to them, they fail to handle this problem, instead, they just blocked my account. 
Third, American Express locked my account and sold it to the debt collector without contact me. ( they did not contact me, they even did not send me an email ) Fourth, I called them to resolve the problem, but they refused to negotiate with me. They keep asking me to call the debt collector. When I told them I can not reach the debt collector, they refused to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hi AAGON Agency Inc enter a collection with credit bureaus and this is the first I heard of the debt. I have no ideal who I owe money too. I do have health insurance and their were no co pays. I need this debt removed to they verify that the debt is mines and from what medical clinic. It 's strange they post this when they got my address to damage my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Aldridge Pite, LLP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: AMERISAVE MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I inquired about Refinancing online. Several Mortgage Companies, including Amerisave set me several e-mails for several weeks. I take care of my totally invalid mother and it 's been frustrating with all the e-mails and phone calls. Amerisave kept sending me athe same e-mail that allows hyou to click in that days rates. I clicked in everyday and did nothing until XXXX/XXXX/XXXX, when the Rate was 3.25 % with Closing Costs of {$2700.00}. I clcked on the Link to Apply at that Rate and Fees and I went as far as the Application all wallowed me. Upon not being able to finish, I received e-mails from XXXX XXXX of merisave. She promised that if I sent my XXXX Tax returns, she could finish locking in that Rate and the aforementioned Fees. After sending her my Tax Returns, she sent me a Link to choose a NEW Rate. I told her I wanted my Rate and Fees from XXXX/XXXX/XXXX, as applied for and as promised. She told me that I could n't get that Rate and Fees, and I had to go with that day 's Fees of {$3800.00}. I complained, she said I insulterd her, which made me more upset, so I called her a XXXX. I 'm under tremendous stress caring for my mother and XXXX XXXX lied to me and insulted ME. I insulted her in return. I wasas also mad that she was trying to change the Fees on me. When I complained to her Supervisor, XXXX XXXX, he insulted me also and refused to honor the Rate nad Fee I locked in on XXXX/XXXX/XXXX. 
I also have every e-mail exchanged between XXXX XXXX, XXXX XXXX, and myself. XXXX e-mails CLEARLY show her telling me that my Rate and Fees would be what I applied for on 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 2022-05-31
Company: BILL.COM, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I started an account with Bill.com XX/XX/ 2022 because you can receive and send instant payments in all types as of XX/XX//2022 Bill.com is hold {$9800.00} of my deposited funds and will not give me reason. Also there wasnt nothing instant because here we are 5 days later with no payment..and I am expecting other deposits totaling over {$20000.00} usd. They should not be able to hold without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to Aargon Agency Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-04
Company: AMA Advisors, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.

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 2017-04-28
Company: EQUIFAX, INC.
State: LA
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:
Equifax is incorrectly reporting that I have been delinquent on my Child Support account. This is not true. The account number is : "  XXXX  '' I can provide a payment summary directly from the Louisiana Department  of Children and Family Services which pro ves my payments have always been received on time and I have never been past due. I do not understand why Equifax is reporting incorrect payment history for my account. This does not make sense. Equifax is also incorrectly reporting a balance of {$660.00} on my Child Support account. It should be reporting at {$0.00} because this account has been paid. I have disputed this issue with Equifax numerous times only to receive generic responses that do not address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Cawley & Bergmann, LLP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
called my stepmom asked for me. My dad and I have same name. she told the collector her husband does not have an account they continued to give her last XXXX of my social and my current address she said that may be my step daughter and then they told her I owed over a XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Receivable Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: First Data Corporation
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts. I have been receiving harassing and threatening telephone calls and death threats in regards to unauthorized and fraudulent accounts and debts that do not belong to me. The following accounts listed on my Trans Union credit report are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court, XXXX County District Court, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX

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 2019-05-10
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with XXXX ( XXXXXXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXX   site have been unbelievably helpful ; when no one else was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation