BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dear XXXX, My case number is XXXX. 

I am dissatisfied with American Express Response. 

American Express has completely ignored my complaint that I have made a phone call in XXXX 2015 and closed ALL my American Express accounts With XXXX balance ( call was recorded ). 

I explained to the representative on the phone that I am living XXXX now and all my business relationship with the addition person on the card, XXXX XXXX, who lives in California, has ceased. The american express representative assured me on the phone that all the accounts were closed with a balance of XXXX Dollars ( PHONE CALLS WERE RECORDED THROUGH AMERICAN EXPRESS ) American Express took NO steps in regards to my actual complaint. The company did not address my concern at all. Instead they sent me the charges made on the card ( charges I have not made ). They ignored the fact that my accounts were closed by me with zero balance in XXXX 2015. Those charges were made in XXXX 2015, long after I closed all my accounts. 

Please kindly investigate this matter as my phone conversations to close the accounts were recorded by American Express. 

Please involve federal trade commissioner or any entity that can help justice be served and protect consumers from such negligence. 

Thank you and looking forward to hearing from you. 

Kindest regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
What happened is there was a authorize on my account & the Merchant release it next thing I know you people at American Express are telling me I need to wait an additional 8 more days after it was released by The Merchant I personally feel you guys are con artists the most rudest XXXX that I have ever had to deal with in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Bankruptcy

Complaint:
My husband tried to add me as an authorized user on his American Express card. He will be the sole provided for our family and we need a card that I can use in case of emergencies. He uses only his AMEX card for everything. I was denied to be added as an REF : XXXX XXXX due to the fact that I had an unsatisfactory account with them and due to my derogatory record I ca n't be added. This is after I have included this account in my bankruptcy almost 10 years ago. They did n't even mentioned that I included it in my bankruptcy and they transferred me to another representative to " SETTLE '' my account when it was already discharged back in 2008. They kept transferring me to different representative that I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.

Company response to consumer: Closed
Consumer complaint received 2016-10-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Other

Complaint:
Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. 
In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' \and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. 
As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. 
So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! 

As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I have an American Express card however, they call my WORK phone constantly XXXX or XXXX times daily. This is a work phone that should not be used. Can we get this bill down to a reasonable payment plan? We are in good standing, however, Is it possible to get this down? Please stop contacting my work phone XXXX with collection phone calls. My supervisor is getting these calls to PLEASE STOP and mail information to me XXXX XXXX XXXX XXXX XXXX Pa XXXX. What can I do too pay this off? Also increase my credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have an American Express " everyday '' card. I opened this up XX/XX/2016. I make my monthly payments well before the due date ( about two weeks before ) and I also pay more than the minimum amount due. 

XX/XX/2016, American Express errantly charged me an INVALID late fee ( my payment was submitted well before the due date, and more than the minimum amount due ) and American Express had simply made a mistake. I called in and notified the representative at American express of the mistake on their end and she said she would remove the errant late charge immediately and that it would reflect immediately on my statement. This did not happen. 
I called in again about a week later and went through all of the hoops, dedicating another hour or so of my time communicating once again that the invalid late charge and consequent fees and APR rate changes were on the account still and I was transferred three different times to different agents, having to re-explain the issue and then finally being told it would be fixed immediately and that the changes would reflect in my account online. This, once again, did not happen. 

Since then, I have called in multiple times per month, with the same issue and have not been helped or I have been transferred off to another representative who said the issue is handled when it has not been. 

The last, and most disrespectful call of all, occurred yesterday XXXX, XXXX, 2016. I checked my account once again with American Express, and the invalid late charges and fees have accrued and substantially affected my account and card payments with American Express. I called in and spoke to a representative explaining the same issues that have been going on and asked to speak to her supervisor. The representative stayed on the line and pretended as though she was the supervisor- upon noticing this, I asked her name and the name of the " supposed '' supervisor, she refused to give me either and abruptly, without warning, transferred my call to a line which ultimately ended the call on me after waiting on hold for 5 minutes. 
I called in yet again and was transferred to XXXX different representatives in the course of 2 hours on the phone with American Express and was told by the last representative that I had to pay all of the INVALID and errant late fees ( even though it was a mistake on their end and even though I have never made a late payment ) on my account and that it hopefully would not affect my credit score and standing. 

Conclusively, I have always paid my credit card monthly payment early and more than is required and because of a mistaken " late fee '' charge errantly administered by American Express and then, never resolved on their end, they are stating that : I must pay for the fees that I did not incur my credit may be affected my interest rate my be affected. 

Please help me come to a resolve on this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: TN
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:
This dispute involves XXXX, Equifax, and XXXX. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX account and are severely inaccurate in reporting which in turn interferes with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I contacted XXXX around XX/XX/2017 concerning my spending ability increase. XXXX XXXX stated that my spending ability is set to {$5000.00}. I just checked my account today and that not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The initial debt was incurred with XXXX XXXX XXXX in XXXX. After several attempts, the debt was written off by bank and sold to XXXX separate collection agencies. Each time the date of debt incurred increased to the time that new collection agency acquired the note. The statute of limitations for BK is 7 yrs. Although never declaring BK, this debt should have been erased after XXXX XXXX. 
Why is this still on my credit report? I have successfully use cash for all transactions since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinance with XXXX XXXX XXXX, rep was XXXX XXXX NMLS # XXXX ( XXXX, CA ) in XXXX 2015. Simple transaction. Company took two ( 2 ) months to process, did n't respond to questions, kept getting bounced around to several people during underwriting without any explanation, kept asking for repeated documentation proving income, which I provided. Documentation exceeded any reasonableness, something was n't right with their procedures and processes. 

I kept having to threaten to cancel the application and go elsewhere, then Discover rep would call and last minute and say everything was ok and not to worry, while time was wasting away when I could have gone elsewhere. XX/XX/XXXX rep XXXX told me all documents were ok and I was approved and to set closing date and asked to be put in touch with my closing agency. Then the rep and company people involved went missing again, no response to emails, meanwhile my intent to close in XXXX was at risk with fixed rate. I sent dozens of emails over course of three weeks. 

Company then mass emailed me and other consumers saying the Company had " ceased '' lending operations ( went out of business ) but would process my loan as I was already in the system. But, then rep then called that same day and said my application would n't be processed. Insanity. This is the most inept company I 've ever dealt with in my experience in mortgage lending, absolutely disgraceful experience. Total mismanagement. I would avoid having any business with " Discover '' if in the company name. The company and reps should be reprimanded for their poor and sloppy performances in providing service. Company still owes me refund for {$400.00} for appraisal.

Company response to consumer: Closed with monetary relief