BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Other

Complaint:
As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Rewards

Complaint:
I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My American Express Corporate card number was stolen and used to make XXXX purchases for {$430.00} in total without my knowledge in another city. I called American Express and they promptly replaced my card the next day and said they filed a dispute for the charges. However since the charges were not removed, I have since had to call twice only to be told that they would dispute the charges again and that it would take XXXX days. Each time I call, they make me repeat the same information all over again, attempt to be nice, and then tell me not to worry about it, however it 's been almost a month since my card was stolen and the charges are still on there. If I was a personal card holder, I would have already cancelled my account, but since my company chooses to use them for my Corporate charges, I have no choice, but to stick with them and keep fighting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank of America has just contacted me via their secure message system and repeated their decision that their initial decision was right and the time for my claim has been out of the window which is a true lie and FRAUD. 

I have disputed my XXXX from apple exactly the same week after I encountered the error and asked Bank of America to dispute it but they did not. 

They keep bringing excuses and falsely claim that I delayed opening the dispute request and they are wrong. 

I need someone to take care of these people. 

BANK of AMERICA is wrong and I object to their decision.

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 2017-01-12
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card with capital one under my personal information because it appears on my XXXX XXXX. It appears they paying on time but affects me because I dont have a credit card and its unfair someone is using my personal info to use a credit card. Bank is Capital One limit of {$1500.00}. I called bank and states cant find no info so no help can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND 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 2015-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX called me at work, since I am unable to take personal calls, I disconnected the call. They then called back and must of asked for a manager. I then got a call from him telling me this company called and gave him a phone number and case id and that I needed to call them because they were trying to serve me a court summons. I called them back after work, but since I had already paid the debt off. I informed them of this and told them to stop calling. No calls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021 My husband and I visited the XXXX XXXX Chase Branch ( XXXX XXXX XXXX XXXX XXXX, AZ ) and after waiting 50 minutes in the lobby, we were greeted by XXXX XXXX XXXX, a relationship banker. We told XXXX we needed to open a safety deposit box. We let him know, we had valuables in hand that needed to go in there, as we were only in Arizona for the weekend to close on our new home. We let XXXX know we were moving from XXXX to the XXXX XXXX area, and were selling our XXXX home. As soon as XXXX learned that significant funds ( roughly XXXX XXXX ) would be coming to Chase, he suggested we upgrade our accounts, open a savings account. We politely declined, as we were only visiting the branch with one motive - to open a safebox to store our valuables inside. XXXX kept pushing and insisting that we upgrade our accounts based on the balances that we would be keeping with the bank. We started to get upset, as it was nearing the branch closing times, and we still did not have a safebox open. XXXX treated us with disrespect, and almost as if punished us, for not wanting to have our accounts upgraded by telling us we no longer had time to open a safe box. If he had stopped pressing the sales pitch, he would of been able to perform the safety deposit box opening in time. He was abusive and deceptive, and was only out for himself. I understand that opening a box leaves him with no commission, but an account upgrade and new money, would leave him with several hundred dollar commission. We had to leave the bank without getting a box opened, which was a waste of our time. XXXX was disrespectful, unprofessional, deceptive, abusive, and irresponsible. XXXX 's behavior is a risk to Chase as it exemplifies poor judgement and may affect the Bank 's overall reputation risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Byrider Franchising, LLC
State: OH
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
Consumer complaint received 2021-03-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid a garnishment against my wages for a car loan and the company Credit Acceptance is still reporting to the credit agencies that I have missed 8 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: TX
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:
XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.

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 2021-03-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XXXX/XXXX/XXXX  2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Residential Credit Solutions, Inc.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our original mortgage servicer was with XXXX. We were in the middle of being approved for a modification when our mortgage was sold to Residential Credit Solutions in XX/XX/XXXX. They requested that we start the modification process over, which we did. They requested our income and tax information one at a time which delayed the process. We had to call continually to get updates, only to be told that they did not have documents that we had already sent in. They then sent us a statement saying that we had an escrow surplus, which we never received. Next, RCS sent an appraiser out around XX/XX/XXXX, paid the home insurance for the XXXX year without notifying us, while no longer accepting our payments. Throughout XXXX, we continued to follow up on numerous occasions to see if we have been approved for the modification, only to be told by the mitigation rep that our account needed to be sent to the underwriter for review. The results of that review never came, instead, we received a letter from their attorney in XX/XX/XXXX stating that they had been retained to initiate foreclosure proceedings. 
Residential Credit Solutions failed to honor the trial loan modification that we entered with XXXX. Instead of honoring the previous agreement, Residential Credit Solutions insisted that we re-prove that we were qualified. By refusing to honor the previously agreed upon loan modification, Residential Credit Solutions effectively set us back as though we had not received a trial modification. This prolonged our loss mitigation. Residential Credit Solutions ' actions put us in loan modification trial period purgatory and confused us about the status of our modification, making it difficult for us to take the appropriate action. 
We ended up losing our home in XXXX. We were sued by the home owners ' association for {$2700.00} after we were foreclosed on which resulted in a garnishment of wages. Our credit was ruined and the foreclosure is still on our credit today preventing us from obtaining another loan. It has caused stress on our marriage and required both of us to take time off work. We were subjected to collection calls, late fees, and default and delinquency notices.

Company response to consumer: Closed
Consumer complaint received 2017-03-06
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other

Complaint:
I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On XXXX XXXX, 2017 I received XXXX pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as XXXX, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of {$89.00} which was all of the fees that I had been charged to date including the {$29.00} annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as XXXX ( employee ID # XXXX ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep XXXX XXXX XXXX had not credited all of the fees and that he would do so right then in the amount of {$4.00} which was the amount of interest charges that was missed by the previous rep.

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 2015-05-10
Company: U.S. BANCORP
State: IA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting in XXXX, I reviewed my credit report and noticed Mariner Finance reporting inaccurate information. I have sent a letter to them on the dates of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. By law, Credit Reporting Agencies and Creditors are to respond within 30 days. I havent received any feedback pertaining to Mariner finance. This is a serious matter due to the fact that the inaccurate reporting is hindering my financial journey.

Company response to consumer: Closed with explanation