BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, On XXXX at XXXX I tried to make a {$740.00} payment to my American Express card at the XXXXXXXX XXXX  ATM at XXXX XXXX XXXX XXXX I learned after attempting this that it is not possible. 

The ATM tried to return all of my cash except a {$100.00} got stuck and the ATM ate the money. I watched this clearly happen. The ATM printed a machine error notice ( see attached ), and directed my to contact XXXX XXXX I then deposited the remaining {$640.00} into my XXXX XXXX  checking account at XXXX. 

I contacted XXXX XXXX, and they did an investigation. They notified my on XXXX that they had no record of any errors. 

I contact American Express and they were sure that there was nothing they could do. 

I escalated this with XXXX XXXX on XXXX, and was notified of the same result. Their issue is that because an American Express card was inserted into the ATM at the time they have no record of this actual transaction. They only have a record of the deposit made at XXXX using a XXXX XXXX ATM card ( see attached ). On XXXX I spoke with a XXXXXXXX XXXX manager XXXX who informed me I would have to pursue the matter through American Express. 

I have contacting American Express regularly since XXXX, and they have never returned any of my calls, sent me any letters, or sent me any emails. I repeatedly ask for a supervisor call back, and no one has ever called back. The American Express claim is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Multiple disputes regarding duplicate accounts being reported. Supporting documentation has been provided numerous times. 
Navient reporting duplicate loans to my credit reports. Reporting under XXXX as well as XXXX. XXXX is no longer the name used for servicing loans as all loans are now listed under XXXX. 
Experian refuses to remove the duplicate items from 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 2016-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through XXXX, aka " XXXX ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was XXXX. This was a shock to me as my annual income is only XXXX. If it really was XXXX I would n't need assistance. My income of Social Security XXXX and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ''. When I spoke to someone at Experian, I was told that they do not provide my income during a credit check. Apparently, this is not accurate, because I found an article online ( XXXX XXXX, " Is Your Doctor Checking Your Credit Report? ". The article states that Experian does provide " Income Estimation Tools ''. I have used the XXXX program for several years to provide me with XXXX medication that I can not afford. In previous years, XXXX has asked for proof of income, which I have provided to them. This year they changed their application form and made it very confusing for me. I have learned from past experience that my application form must be perfect or I will be denied for medication. I worked very hard on making sure my part and the physician 's documentation were all correct. I called XXXX and was assured that everything looked good. The next day, I received the denial letter which stated I did not qualify for their program based on my income. I have worked hard all my life to maintain good credit. I recently found that my credit score was 850. Never in my wildest dreams did I imagine that this would work against me. I strongly object to the use and marketing of this " Projection '' tool for the purpose of denying me access to low income programs for which I qualify. Now I will have to do without my XXXX medication that I can not afford. I do n't know what that means for my future but that prospect is very frightening to me.

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 2015-04-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is refusing to correct the identity thieft from 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 2016-01-10
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.

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 2016-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was pressured by high stress sales tactics into taking an auto loan I could not afford by XXXX XXXX in XXXX XXXX, New York. They insisted on finding a bank to issue a loan after being refused by three or more other banks. They did not make it clear that the total amount of the car purchased was higher than the value. Now I am in the position of having to apply for a loan modification on my mortgage and guess which bank is giving me a three-year runaround? The same bank, Citizens One, that approved my auto loan. So, I guess my issue is with both XXXX XXXX and Citizens One Auto Finance. I already have a complaint filed on my mortgage loan modification with Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Bank of America account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.

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 monetary relief
Consumer complaint received 2017-02-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.

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 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.

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 2016-10-06
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
I purchased a {$500.00} XXXX prepaid card issued by ITC Financial. The card was destroyed and I have requested a refund or replacement. I have been told that such request is not possible. I do not find this acceptable as I have the number for the card, the original purchase receipt and can confirm that as I know for a fact it was destroyed it has not been otherwise used or claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Colony Brands, Inc.
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check in XXXX currency with the Citizen 's Bank XXXX XXXX, 2015. Instead of converting to XXXX currency at the published Exchange rate of C {$1.00} = XXXX {$0.00} on the date of conversion, the Bank gave an Exchange rate of C {$1.00} = XXXX {$0.00}. This amounted to a difference of more than XXXX {$1800.00} in their favor for handling this transaction. 
I called XXXX other banks with whom we do business, and was told they always used the posted official daily exchange rate. 
Please respond with the Official FTC policy regarding this matter. 
Thank you. XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX, Tel. ( XXXX ) XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: PACIFIC WESTERN BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank is Pacific Western Bank at www.pacificwesternbank.com. I am in dispute over {$1200.00} in unauthorized debits from my account, which the bank refuses to recognize, as they will only initiate the dispute is its 60 days or less. I only recognized when my account went into the negative. I want all fraudulent charges disputed nd all funds returned, including any and all NSF or Overdraft fees since the first unauthorized charge/debit occurred. My name is XXXX XXXX XXXX at XXXX CA. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. 

If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: AES/PHEAA
State: CO
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:
My student loans are managed by FedLoan Servicing and since being transferred to their service I have experienced significant issues - for the past few years I have to annually request a recalculation since they use my household income to calculate my payment, but fail to include in the calculation that both my husband and I have student loans. Additionally, during the last recalculation I requested a forebearance until they recalculated my repayment - they did not apply the forbearance, though they indicated that they had during our phone call, resulting in an unknown missed payment. My payments are direct debit, so I find it odd that I could simply " miss '' a payment ; the mistake could only have been caused by their representative. 

I only just found out about the missed payment from XXXX - they claimed to have sent me emails and mail, which I never received until recently. I save every email from them and responded to the first one- received yesterday- that indicated delinquency. I am a responsible person, I pay my bills, and address issues as they arise. Since my loans were transferred to this company I have experienced significant issues that have resulted in me overpaying on loans due to miscalculation and now an erroneous delinquency on my credit report.

Company response to consumer: Closed with non-monetary relief