BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: MB FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to refinance my mortgage and noticed that mb financial incorrectly had that my XX/XX/XXXX payment was 30 days late.. I called up to mbfinancial to inquire and their customer service personnel advised me that I was not 30 days late.. they requested that I send report showing 30 days late to them via email, which I did. They advised me that it could take 30 days to investigate at which time they would let me know something in the mail. I waited the 30 days and received letter stating that the XX/XX/XXXX payment was not late and would be removed from my credit report. I than checked my credit again and now they have that my XX/XX/XXXX payment was 30 days late.. which it was not also. I called customer service again and inquired why it was showing that my mb financial payment was 30 days late for XX/XX/XXXX they advised that it was not 30 days late for XX/XX/XXXX. They again requested that I send them a copy of my report showing that XXXX payment was 30 days late, which I did again. They said again that it will take 30 days to investigate after which time they will mail me a letter in the mail with the results of their investigation. It was still XX/XX/XXXX when I called them and they advised that there was no way that it could be 30 days late. This bank is continuously showing me 30 days late in error and having me email them my report and waiting an additional 30 days to get results. 
I have to continuously wait during this time before I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company " loanDepot '', which collects monthly escrow for my property tax payment was supposed to make the property tax payment on XXXX XXXX, 2016 to XXXX XXXX Treasurer. They did not make the payment. I had called them twice and was told that they will make the payment prior to them transferring the servicing of my mortgage to another company on XXXX XXXX, 2016. Instead " loanDepot '' transferred my escrow balance to the new company ( XXXX XXXX ) on XXXX XXXX, 2016. I called the new company and they said they will put a note to pay this property tax bill which becomes delinquent after XXXX XXXX, 2016. I checked the XXXX Treasurer website today ( XXXX XXXX ) and my property tax payment still has not been made. That is 5 days away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Paypal Holdings, Inc
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Pay pall credit showing charges that I never made and the items I returned because they damaged and I know that seller issued me a refund, but they not showing on a statement. Also they charged me late fee two days later after I made a payment. I can not see my account number and they ignoring all my emails and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?

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 2016-08-13
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. 
Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Army and Air Force Exchange Service
State: WV
Product: Credit card
Issue: Other

Complaint:
My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
FABCO was supposed to roll the debt into the chapter XXXX, but did not do it correctly and left an additional derogatory mark on my credit. I have made several attempts to contact FABCO and filed disputes with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. 

I have never been in the Army or Air Force.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Credit card
Issue: Sale of account

Complaint:
I would like to file a complaint against midland capital funding LLC for attempting to Sue me and Collect on an Old XXXX Debt, that they Purchased from XXXX XXXX in XXXX or XXXX, the account was opened in XXXX by me, and Midland Funding Bought The Charged Off Account in XXXX or XXXX, and they are in the process of suing me, at this Time. Louisiana XXXX states that after 3 years a company can not attempt to collect on this type of account. The Statue of Limitations has Expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I entered a hardship repayment agreement with American Express through their customer service process over the phone. I was told that I agreement was to make {$950.00} a month payments until the debt was paid off and that my account would remain in good standing. American Express accepted the payment but still reported me as delinquent which dropped my credit score, raised my payments with other creditors and increase my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. 
American Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. 
2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... 
Delta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. 
XXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? 
Contacted the company directly DESIRED RESOLUTION

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This was from an old credit card debt. At the time it was going bad, I did n't have monies to pay it off. They took it to court and I was given a judgement on it, and now I must pay it off to get a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
While booking a flight with XXXX XXXX I was double billed for an transaction. I called into American Express : Bluebird to try to resolve it. I was told to speak with XXXX XXXX. 

After speaking with a representative with XXXX XXXX I was informed to provide a FAX number so that a release of funds can be faxed to AMX. 

Calling back to AMX I was informed that there was no FAX number and that if they cancel XXXX XXXX will cancel the transaction, the account will be accredited in 7 Business days. I asked to speak with a supervisor and we conferenced in the XXXX XXXX XXXX. She ( XXXX ) informed me that the account was double billed due to billing issues with their merger with XXXX XXXX and that I was XXXX out of a XXXX transactions that this happened. She also said that the pending balance will ( from XXXX XXXX perspective ) will fall away within 24hrs because there is only one ticket number associated with he transaction. 

I was then informed from the AMX rep that my account will be credited on the 8 calendar day per AMX business policies. 

I am opening a clime because I was informed by the XXXX XXXX rep that AMX is breaking XXXX LAW by holding my money for 7 business days. XXXX Rep asked if AMX : Bluebird was a United States Business and the AMX rep said yes. 

I would like to have the CFPB investigate the mater for possible violation of US Law regarding account reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.

Company response to consumer: Closed with explanation