BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I called American Express to inquire on how I could get a gift card to give to my son to use on his XXXX trip. He was leaving the next afternoon. I was told to go to any number of retailers and purchase a " serve '' card. I went to the bank and got {$300.00} cash and purchased the card for XXXX. plus a service fee. Later that evening I was told by American Express that the card could not be used internationally until I got my permanent card in seven to ten days. I would not have spent money and gone to the time and trouble to get the card if I had been told the right information at first. 
Then I was told to register the temporary card and I could set up a pin and get my money form a aM machine. That also did not work. Today, 7 days later I received my permanent card. I called in to activate it. Next I was asked how I was going to put money on it. I inquired about the XXXX XXXX that I had already given them. I was told that I must not have entered the temporary card information and that my XXXX was still floating around in American Express 's pocket and I had no way to get to it STILL. I asked for a supervisor and got a condesending person named XXXX in the XXXX. He would not listen to anything I was saying and told me it was all my fault. Now he had me re-register the temporary card in MY WIFE '' S name and set up another pin. I told him I had done all thisin my own name when I first ordered the permanent card. He told me I did not. All he did was argue with me and talk over me. I then asked for his supervisor and he refused to let me speak to one. His name was XXXX and that was all he would tell me. If finally told him what I thought of his condescending attitude. Results are in. I have wasted a lot of time and tied up XXXX XXXX dollars, my son left on his trip without the money I had promised him, I am out the fee for the card and whatever the atm charge might be even if I am lucky enough that this scheme of putting it in my wifes name works to retrieve what is left on my {$300.00}. All the while American Express had had my money, charged me a fee for a worthless card that was sold to me on false pretenses. I have an XXXX, own XXXX and am very astute with computers. If this is what happened to me, imagine what would happen to a less experienced consumer. I highly suggest that you look into this American Express " Serve card Scheme. I await your response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-03-11
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: Information belongs to someone else

Complaint:
These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to plead with Wellsfargo to take off the late payment they posted on my credit report for XXXX and XX/XX/2020. 
During the pandemic, sometimes in XXXX, wellsfargo called me and asked if I wanted to suspend my mortgage payment, but I opted to keep on paying since I was still working. Sometimes around XXXX, I had my employees quit when they got their stimulus check. I was forced to work open to close, and I couldnt make a trip to the bank. My sister was helping me make a partial payment of {$670.00} every month, and I was supposed to pay the remaining bal. I tried to make payment online, but I realized that their system wouldnt let me make a partial payment online. I tried calling them few times to make payments, but I was kept on hold for up to 2 hrs sometimes just for the phone hang up. I got a hold of a lady once and the time we get they with the payment process, the phone hung up. I checked my acct a couple of days later, and my money was still in the acct. 
with all these difficulties going on, I decided to wait til I get thru hiring my staff, then make a payment of the due balance. At that time, I knew wellsfargo was not reporting late payments. 
I finally got my business in order, hired my staff, went to the bank, and paid the full amount I owed Wellsfargo to make my acct current. 
Not too long ago, while I was trying to get a car, I was surprised to hear that they will not finance me because I was recently late on 2 payments on my mortgage. 
I called wellsfargo several times to make them erase these late payments off my report so I can get me a car, but they refuse to do so. 
Im working on my credit righ now, and this my 12th month making all payments on time. And these 2 late payments are messing it all up for me. I need Wellsfargo to remove them off my credit because they are part of the reason payments were not made on time. Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Asset Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened a line of credit while paying in the check out at XXXX clothingXX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXX the bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX XXXX XXXX bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. XXXX XXXX  will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and asset recovery solutions is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from asset recovery solutions because they are using the address provided by XXXX XXXX XXXX. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX XXXX XXXX my credit score has gone from XXXX to XXXX over the course of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-11
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I called chase auto finance to make a payment on time ( with in my 10day grace period ). i can verify that call throught XXXX XXXX call logs. 

With out any notification from chase it was brought to my attention that my payment was late and passed the 30 day mark, which then dropped my credit score disqualifying me from a home loan. 

I called chase to see what went wrong and the first lady i spoke to told me that there was an attempt to make the payment but it was not processed. i had more than enough funds to cover that payment. As i start to dispute their claim, their story changed and they said they have no record of me calling them on XX/XX/XXXX. 

I send them my call logs that came from XXXX  to show that i called to make the payment. 

Chase decided to stand by their decision to not change the late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I called my bank ( chime ) because I saw a pending transaction of {$700.00} on XX/XX/XXXX. They told me they werent able to do anything until its settled and when its settled I can dispute it. I did just that, and now they are denying and closing my claim. I asked them why they told me I have to provide more proof! I asked them what proof can i provide you since I was home the whole time with my bank card. They told me they cant reopen it unless I provide evidence it wasnt me. I explained I cant prove I was home thats not realistic. So now they refuse to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Caliber Home Loans because it was time for PMI Removal. I spoke with a representative that told me how to fill the form out for an exterior bpo and explained that I have to pay {$100.00} and I do not need to be present and I can be at work. I paid the money of {$100.00} which was cashed on XX/XX/2022. I called back 30days later and another representative told me that it will take 45 days for the process to complete and to be patient. I waited 45 days and sent an email to Caliber home loans in their secured portal. When I explained this and told them that I am coming to them for the third time in good faith and I would like the service that I paid for to be completed. After I sent them this message today, XX/XX/2022, they scrubbed the system and the emails can not be seen. You can see the subject line, but they made everything of our correspondence not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is not a trusted company. 
I have heard about wrongful business against home owner in all United States. 
Unfortunately, I 'm another victims on their hands. 
Unless you 're rich, and have money to sue them, so they will learn the lesson in Connecticut State too. 
Below is list of my complaint:1 ) On my XXXX/XXXX/2015 Statement advised me of payment amount from {$620.00} to {$670.00} ( {$42.00} increase ) and said the further detail regarding the reason as going to be included in the separated letter ; 2 ) It is noted that on the same statement on XXXX/XXXX/2015 Ocwen received a {$5000.00} payment:3 ) On my XXXX/XXXX/2015 Statement advised the same ; 4 ) On my statements XXXX/XXXX/2015, and XXXX/XXXX/2015 they increased already to {$670.00} with no previous justification why. 
5 ) On XXXX/XXXX/2015 I accepted the offer for re-cast and sent the paper offer ; 6 ) As for now, they refuse to re-cast, they lost the previous acceptance, they opened and investigation, and they refuse to give credit for that the same they received the {$5000.00} that 's on XX/XX/XXXX. 
XXXX ) Ocwen is charging too much for escrow {$400.00}, a year is {$4800.00} ( {$400.00} x XXXX = {$4800.00} ) a price for a single family home, I have a town house, and the yearly taxes is not more than {$2500.00} ; 8 ) Ocwen plans to raise the escrow ; 9 ) On my XXXX/XXXX/2015, Ocwen raised already the escrow to {$440.00} a month that 's {$5300.00}, double of XXXX, CT required taxes ; 10 ) Also Ocwen is trying to receive a fee of {$490.00}, that has no sense and is not listed on their charge list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Affirm Holdings, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent an email to Affirm on XXXX at XXXX am providing all the evidence for a disputed transaction with a fraudulent website. The Merchant Dispute Case ID was XXXX. I have not received a response for the completion of the dispute since XXXX. 

The loan # was XXXX, the date of the loan was XXXX, the amount of the loan is {$110.00}, and the Merchant was XXXX This Merchant was supposed to send 1 pair of XXXX XXXX shoes in the amount of {$99.00}. I used an Affirm virtual card to pay for the order. Attached is the Paid Invoice from XXXX XXXX. 

Instead of sending me the pair of shoes, they sent me a bag of rubber bands from XXXX. I have attached the photos of the package, the rubber bands, and the receipt proving I returned the rubber bands to XXXX. Unfortunately, XXXX could not tell me who the sender of the package was at their customer service in store. 

Affirm told me to contact the Merchant about this issue. However, when I tried to contact the Merchant on their website, I received an error message. The screenshot of the error message is attached. Additionally, on XXXX there is no phone number or mailing address to contact the Merchant, XXXX XXXX. 

Because Affirm has not completed the dispute, that loan is showing a late payment and I am unable to make that payment! The late payment in the amount of {$18.00} has caused me to no longer have purchasing power with Affirm although I am current on all my other loans with them and I have been an excellent customer! 

I find it frustrating because I have called them 3 times this week to follow up, and have supposedly been transferred to a supervisor, when I was in fact, disconnected! Today, XXXX, I did speak to someone who claimed he was a supervisor, yet he told me he had to escalate the information to another department, which he would not disclose, and he stated it would take an additional XXXX business days. I forwarded an email to them today requesting they complete the dispute. It is attached. 

Prior to this, I was told if you open a dispute with Affirm, the process takes XXXX days to complete. They have had the evidence since XXXX and I believe they are punishing me, the consumer, instead of providing adequate service by completing the dispute and restoring my purchasing power. The fraudulent website was not my fault and they are still showing I owe on this disputed loan, with a late payment due, which is unacceptable! 

Additionally, I made Affirm aware that I filed a complaint against the merchant with the Federal Trade Commission ( FTC. ) It is report # XXXX. This report is attached. 

There is no excuse for Affirm mistreating consumers like this! Please help me to get this dispute resolved and this loan removed from my Affirm loans that I am responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from Chase at XXXX. I called chase XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX and a XXXX card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: FIRST HORIZON BANK
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received a letter in the mail from First Horizon thanking me for establishing a new line of credit. I DID NOT APPLY FOR ANY LINE OF CREDIT. I called First Horizon and was told that the overdraft protection for my HELOC was being converted into a Line of Credit. I never had overdraft protection on my HELOC. First Horizon is fabricating a scenario to create Lines of Credit for its customers. 
First Horizon is also going the extra mile to make it as difficult for its customers to close the account by not allowing the account to be closed over the phone. 
This is the same banking fraud XXXX XXXX did to its customers a few years ago. Please stop this company and its fraudulent business practices.

Company response to consumer: Closed with explanation