BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-01
Company: Servis One, Inc., Titusville, PA Branch
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place.

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 2015-08-05
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of experian not responding experian has said that these debts which are FRAUDULENT have been verified as accurate. experian has violated my privacy rights experian DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant experian permission to add these items to credit file. Experian has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.

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 2022-08-28
Company: WELLS FARGO & COMPANY
State: PA
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 am writing to request the removal of this unauthorized credit inquiry on my credit report. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also do not have an open account with your company. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that you delete this inquiry immediately from the credit file that you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
The American Express XXXX XXXX Preferred Card was issued by mail and I did not receive the card. I contacted American Express, advised that I did not receive the card. American Express notified me that they would ship a replacement card via XXXX XXXX Delivery. I did not receive the card. The card was allegedly shipped by for XXXX delivery several more times over the next two weeks. I finally received the card more than a month after I was initially told that I would receive the card. I was contacted by American Express Card Member Services and was advised that I would receive either XXXX points and XXXX credit for the problems with the delivery of the card. I later determined that was a confusing promise by Amex, as the XXXX XXXX Rewards card accumulates a cash credit and not point credits. I never received the XXXX credit or the XXXX point equivalent as promised. When I called Amex Customer Service there were no notes in their system regarding the previous conversations or the issues with the delivery of the card. I was a previous Amex cardholder through XXXX for years and I have come to expect a certain level of customer service from American Express. I am embarrassed that my customer service experience through American Express has not been as pleasurable as my American Express Customer Service experience through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-24
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I requested to the company that validation be sent for so called debt or otherwise delete the collectiona from all three credit reports. I never received validation for the accounts in question. 

Both accounts are with the same collection agency for different amounts. The first amount is {$1000.00}. This account was opened with the collection agency on XX/XX/XXXX. 

The second account in which I requested validation was opened on XX/XX/XXXX with this same agency in the amount of {$4800.00}. 

No validation that I owed this debt was presented to me in the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX and I believe I have been part of a scam from an old acquaintance of mine named XXXX XXXX from XXXX. 
The situation is that I was foolish enough to trust this person to invest in bitcoin for me. XXXX put me in contact with her coach XXXX XXXX ( not sure if the name is accurate ). 
I have used XXXX and XXXX as my transactions and the accounts and numbers are as listed below : XXXX XXXX ( {$6000.00} ) XXXX XXXX ( {$2000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX XXXX ( {$2000.00} ) Please look below for receipts with discussions and payments. My XXXX has been hacked and I no longer have access to any of this. Please report this fraud so we can make sure no one else can be victim of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I called Truist Customer Service to request my PMI payment be removed. I had received correspondance from Truist and other lenders stating that my property value had increased and was able to take cash out of my home. I DID not want cash out but to me this meant that my PMI could be removed. The customer service representative instructed me to submit a request via their on line Chat option which i did on XX/XX/2022. On XX/XX/XXXX I received a letter from Truist DECLINING my request stating I did not have 80 % Loan to Value. However, the letter stated they had completed an AVM and the AS IS Value of my property was XXXX my unpaid principle balance was ~ {$520000.00} which means my LTV is 68 % which is WELL below 80 %. The letter for the decline said my LTV was 92 % ... the calculation did not add up. I called customer service, was on hold several minutes, she validated the letter and the AVM and Unpaid principle balance noted in the letter and recommended I send an email dispute to " XXXX '' I sent an email as directed. On XX/XX/XXXX I received a more than rude reply that stated " there is nothing to dispute '' and told me I would receive a letter, which I noted in my email that I had already received and was disputing... a copy of the email correspondence is attached to the bottom of this form complaint. If it were not COMMON knowledge that the average property value in the US has gone up 40 % and even more in XXXX XXXX XXXX where my property is, then I could see maybe they would want to do a BPO, however, the value in the AVM is more than sufficient to prove my property Loan to value is substantially less than 80 % ( the AVM is as is value ) Not only is the customer service unacceptable, the lack of accuracy prior to sending me the letter is unacceptable. Bottom line is my property is LTV is substantially less than 80 %, my investor is XXXX and this is clearly an abuse of my rights to have the PMI removed.

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 2015-06-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Summit AmeriFirst Holdings, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The last of XX/XX/XXXX my husband passed away. The beginning of XX/XX/XXXX I began receiving citations on my home. The house needed painted or sided. I did n't know what to do. A door to door sale man showed up they sold siding. I signed papers with a salesman for the Loan of there choice. Did n't understand it but thought they were helping me with my problem. I got the loan in XX/XX/XXXX been making monthly payments of {$200.00} for XXXX yrs now. I have already paid the Amerifirst {$16000.00}. It 's a XXXX yr loan with interest rate of XXXX. The loan is for {$15000.00}. I'ved called and ask what the payoff is and it is the same amount I owe no discount. I also asked if they could lower the interest rate because I 've been a good customer and they said no. I just do n't know what to do. Buy the time I pay them off in XXXX yrs it will be more than double the money I owe. How can that be. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX : Account number : XXXX, Inaccurate. 

XXXX : Account number : XXXX, Inaccurate. 

XXXX XXXX XXXX  : Account number : XXXX, Inaccurate.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX  XXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent in a letter to the company requesting several accounts to be verified, updated or removed that were reporting to my credit. These accounts, are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts and also inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXXXXXX XXXXXXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XXXX XXXX XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Synchrony bank the issuer of my sams club MasterCard will not apply a payment towards the balance, if made on the XXXX, or the XXXX. A payment made on these dates will reduce the balance, but will not be applied paying off the previous months balance to not incrue interest charges. A payment made between XXXX of the month does not apply to the next month either. It is received but will not to any balance for interest consideration. They will charge interest on the previous months balance if that balance was not paid off between the XXXX to the XXXX. They 're terms and conditions do not explain this. I find it predatory and deceptive. I will attach their policy.

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 2022-05-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Chase Freedom XXXX credit card. On XX/XX/XXXX, I booked 2 flights using their travel purchase portal. Trip IDs are 1 ) XXXX and 2 ) XXXX. Unfortunately, I broke 2 ligaments in my right foot because of which the doctor told me that I can not travel. So, I contacted Chase regarding this on XX/XX/XXXX. The customer care lady told me that since I made payments using my reward points, I will get the points back. However, I never got them back. 

Today, on XX/XX/XXXX, I called them back and none of them acknowledged this. They kept forwarding me to different departments and kept me on hold for over 5 hours ; without resolving the issue. They kept on re-iterating their standard refund policy that comes with the card and that I already knew about ; the 2 options being : 1 ) either file a claim online or 2 ) get airline credit that I will have to use in a year plus a rebooking fee of XXXX $ per trip ( making the credits essentially useless ). 

However, they were not able to help me with getting the reward points back which to me is the most convenient option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
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 did sent correspondence to Equifax and XXXX regarding the false reporting of this account ending in XXXX by discover. I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hard inquiry from Belk company dropped my score XXXX points I did not authorize any inquiry and did not fill out any application with this company

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