BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying XXXX/Navient since 2004. My payments seem to hardly chip at the amount due. I have some late charges as well and they told me I do n't qualify for XXXX Forgiveness or Public Servant reprieve even though my XXXX qualifies. I have been a XXXX for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I had applied for American Express Platinum Card and I was offered for XXXX bonus for spending XXXX. I had met my spending requirement and was award with XXXX bonus. Last week American Express removed my XXXX bonus without notify me. I had set up a case for disputed but they denied my request to give back the reward. Their lame reason was I am not qualify for the bonus. My question to them was how am I not qualify if I already received my reward? Why are they taking away my bonus points without notify anyone or even send out a letter for the explanation? I feel so frustrated and want to cancel my credit card, but they refused to give back all my membership fee, which is XXXX dollars. Please investigate American Express for their scamming consumers. What they did was absolutely wrong and unethical. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I was charged double interest. 
I paid last statement in full and also prepaid a portion of the current statement ahead of the closing, still XXXX XXXX charged me interest, XXXX calls routed to XXXX were disconnected, and XXXX call to XXXX still waiting, I am in hold for over 100 minutes .... 

I request a full credit of {$25.00} for interest charges that it should not have been, their explanation is that the go back two month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management has purchased many old debts from previous lenders of mine and claiming amounts I do n't owe. In some cases, they are somehow updating debt 's last activity and keeping accounts that are over 7 years of age on my file. 

Someone needs to monitor this company, they are asking me to write a letter and accept all the debt, before even negotiating with me to resolve it. I am being victimized by this entity, I am a father and supporter of many. My fico score is being very heavily affected and life is more expensive for me. 

MCM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Mountain Run Solutions, LLC
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I had an American Express Corporate Platinum Card through my employer. I paid a fee to upgrade the basic corporate card to a platinum card so that I could earn membership rewards. My card had XXXX membership rewards points ( redemption value of approx. {$1800.00} ) as of last check. My company canceled the card in late XXXX 2016 due to a pending acquisition. I paid off the remaining charges by mid XXXX 2016. I had a credit of {$570.00} that was, according to American Express, issued to me in the form of a check on XXXX XXXX, 2016. In my mind, the account was closed on XXXX XXXX, 2016, when the final credit was paid. When I reached out to American Express in late XXXX 2016 to discuss rolling my membership rewards over into another account, I was told that the rewards points had been forfeited. At that point, American Express told me that the rewards points were forfeited 30 days after the account was closed by the company, which was in late XXXX 2016. After many hours of waiting on the phone and submitting appeals, I have gotten the same answer : American Express is unwilling to replenish the points. This is a deliberately deceptive and abusive practice by American Express. It never notified me of its forfeiture policy, not at the time I opened the account nor at the time the company closed it. It did not send a reminder after the account was closed that the points would be lost. It never notified my employer about its policy, and my employer never notified me. Moreover, to arrive at its decision to eliminate my points balance, American Express selected an account closing date based on when the card stopped accepting charges rather than when the account activity was settled. Simple decency would say that American Express would remind the customer about the forfeiture. Good customer service would include having some flexibility to make things right when there is a mistake. American Express has neither. I believe this is a widespread practice, designed to disgorge points from unsuspecting members upon account termination. It has to stop. There should be mandatory notification of pending forfeiture of points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit balance with American Express and have reviewed my cardholder agreement. It does not specify that a refund be conveyed in a particular way ( Ie : check, wire transfer ). 
I requested that I be directed to where it states that it will take ( 7 ) business days to receive my refund and they are refusing to provide the information, expedite the process or allow me to speak to another department with regard to the processing. This refund is in excess of {$3000.00}. While AMEX has written documentation concerning payment, the representative could not direct me to any language that defines how refunds or credit balance are handled. The information provided by the rep kept vacillating stating that it was " processed '' " check with my bank '' to they can not " expedite the process '' to " any other rep of AMEX will tell me the same thing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
It has been more than half year since American Express Blue Bird has unlawfully held my funds. I have made number of attempts and provided documents necessary in order for them to resolve my concern. 
At some point, due to fraud related concerns XXXX XXXX XXXX froze my account, then closed and reopened new XXXX to make sure that I am safe while banking. This issue caused BlueBird American Express account to be frozen or/and hold placed onto it. I went ahead and forwarded American express the letter sent by XXXX XXXX XXXX which states the reasons. American express, did nothing, but treated me in a very unethical manners. Racist operators and unprofessional supervisors refused to assist me and made terrible discriminative comments over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
On XX/XX/XXXX, I contacted American Express to let them know my financial situation had changed and I wanted to close the account and set up a 5 year plan with possibly no interest with automatic deductions from my account. At that time, the CSR told me that they could n't help me with that plan but to call in XX/XX/XXXX. I did, by this time I was 30 days late. I was told they could n't help me then and to call back in 2 weeks. I called in XX/XX/XXXX. I was now 60 days late. I was speaking to someone in a call center in another country where the English was horrible. I thought we had agreed to the 5 year plan at a very low interest rate with them deducting {$200.00} from my account. It was supposed to start in XX/XX/XXXX. I get a letter today from a collection agency that American Express has turned it over to them. I spoke to them and they claimed they could n't help me with a 5 year plan. I called American Express and they wo n't speak to me now. This is total abuse by a large credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: MN
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 recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I get several phone calls daily from Navient ( XXXX ), with whom neither of us has ever had any student loans or debt. Nor have our children or grandchildren, who we've read can also engender calls from Navient, getting parents or grandparents to pay overdue loan debt. There seems to be no recourse for us to stop this, as the phone calls are not manned by a sentient person whom one can talk to. 
HELP!! ( Navient is on our Call Block list, but the phone still rings ( once ) 4 times a day ... in addition to the many other robocalls that come in daily. ) XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I initiated a {$2600.00} money transfer to XXXX on XXXX XX/XX/2021 around XXXX in westerunion.com. When I initiated the exchange rate displayed was XXXX for transferring to a bank in XXXX from a bank account in US. But after submitting the transfer the exchange rate displayed on the transfer was only XXXX. I immediately came to money transfer page again and checked what is the exchange rate and it displayed XXXX. 
I thought there was some error in the website that cached a old rate and went to another browser to check the exchange rate on westerunion website but the exchange rate for transfers above {$1000.00} was still coming up as XXXX. When I tried {$800.00} it displayed exchange rate as XXXX. 
So what I guess has happened is western union has imposed a incorrect exchange rate on my transfer which should have been imposed on transfers below {$800.00}. 
I was on the call with the customer service agents for almost 2.5hours and they did not agree the glitch in their system, so I decided to submit a complaint to the consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I received a letter for Midland Credit Management inc . They were identifying themselves as the new owner of an account that is no longer in debt at the original creditor. They are charging me {$640.00} from credit XXXX bank account. Account number at MCM is XXXX. As soon as I received the letter I call them at XXXX. I 'm pretty sure that they can confirm this via their call recordings. The first representative was not avail to provide me any information as of why I owe this account to them. When I repeatedly ask him why he could n't provide me any information he said to call again later. After he got tired of me asking why he could't provide me any information and me asking to speak to a US representative that speaks english since I thought that was n't understanding what I was telling him he hang up on me. 

I called a second time and explain that a previous representative had hang up on me the new representative started to laugh at me. When I ask him what was so funny he laugh again and said that it was n't about me. I ask for manager and he send me again to the main number to get another representative. 

For their poor collection tactics I have open this complaint with the XXXX and also with The Consumer Financial Protection Bureau. 

With all of this being said, I require that Midland Credit Management Inc provides me with detailed information that validates this debt as correct. That includes sending me detailed statements about the amount owe, verification from the original creditor that shows that I still owe this debt, Signed contracts or agreements between me and the original creditor. If they can not provide me with all of this information, I require that they stop all collections attempt to myself and to do not report this debt to any of the XXXX credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, I was offered to spend XXXX and get XXXX Membership rewards points. On XXXX XXXX, I called to confirm the offer. They confirmed with me and told me it was the last date to meet the XXXX dollar purchase requirement. Today I called again. Now they are telling me it 's XXXX purchase requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX direct loans ( XXXX subsidized, XXXX unsubsidized ) currently serviced by Mohela. On XXXX XXXX, 2016 I paid a lump sum of {$1000.00} and directed Mohela to apply the full amount to Loan XXXX, using their online payment system. The payment was applied to the correct loan ; however, my next monthly payment ( auto-debited from my bank account on XXXX XXXX, 2016 ) was not applied correctly - a small amount was applied to Loan XXXX and a larger amount was applied to Loan XXXX. 

I contacted Mohela when I realized this error and was told the revised allocation was because my account was in " paid-ahead '' status. I asked them to edit my XXXX XXXX payment and reapply it as it was supposed to be applied per my repayment schedule and also remove the paid-ahead status - I wanted my payments to remain as they were scheduled, just with a smaller balance on Loan XXXX. I was assured that this would be taken care of and would not cause any further issues. 

My monthly payments for XXXX 2016 through XXXX 2016 ( inclusive ) were applied correctly, but my XXXX 2016 and XXXX 2016 payments were again incorrectly applied. This time, a much larger amount than scheduled was applied to XXXX XXXX and a much smaller amount than scheduled was applied to Loan XXXX. I contacted Mohela again, on XXXX XXXX, 2016. Their response indicated that they did not quite understand the problem. 

Again, Mohela said I was in " paid-ahead '' status and that the additional payment that I made was used to satisfy future bills ( which is exactly the opposite of what I had requested when making that payment and what I discussed with them when I contacted them in XXXX 2016 ). The email response I received said, in part, " The paid ahead status on your account is causing your Auto Debit payments to apply to your XXXX loans differently than what is displayed on your repayment summary. We are currently researching a way to ensure that your Auto Debit payments apply correctly, based on the repayment summary. Once we have completed research on how best to implement this process on your account, we will send you a subsequent secure email on mohela.com. '' I find it difficult to believe that I am the only customer in the history of Mohela and/or the XXXX to want to pay down my loans and continue to have the monthly payments allocated as indicated on my repayment schedule. I also find it incredibly convenient on Mohela 's end to use this excuse - the goal in my paying extra on the loan is to reduce interest over the course of the loan, something Mohela has a vested interest in preventing. They show no interest in resolving the issue and refuse to re-allocate previous payments which were incorrectly applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: MT
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.

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 2017-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep contacting me at my employment and I told them to stop. It is threating my job and my employer does not want debt collection calls on there phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: NC
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:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-03
Company: Clark County Collection Service
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation