BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
on  XXXX / XXXX /  XXXX  , I was on the phone for hours w ith American Express  ... .all representatives were " offshore '' as they put it, and when specifically asked they were in  XXXX   in  the  XXXX   . They   refused to transfer the call to the United States or give me a last name of the person asking for personal information from me.     The purpose of the call would have been to use their free transfer service to the bank account from which the card was loaded with {$200.00} as a trial to see how hard it was going to be to use an  American Express c ard places wher e Visa, Master Card,   XXXX , and other general credit cards are accepted. The answer is that   American Express is no longer widely accepted in the United States, and therefore, I wanted to get my cash back to my bank account.
The AMEX website clearly explains a free service to transfer the money to a bank account, how  ever, there is no way on the website to enter a bank account number, and their chosen method of loading money to thei r Serve credi t card is to do it from a  XXXX   XXXX   XXXX   debit card, not the checking account. Copy of page attached.  But AMEX wants 5 business  days to send a sample deposit and then you have to go back and enter the little deposits before you can make a transfer and then another 5 days for the transfer to post.. So in effect it is at least 10 days to move money   back into the bank it came from. Now, if i lived in a city, i could go to one of their ATM.s, but I am 80 miles from the closest one of those. So either I wait 10 days or drive 80 miles.
Had i been able to get to a representative in the USA, I   might have been able to speed things up, but i refuse to give my personal information to someone who is not in the United States

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Waypoint Resource Group, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$1400.00} Original Creditor : XX/XX/XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; XX/XX/XXXX >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX WAYPOINT RESOURCE GROUP LLC # XXXXXX/XX/XXXXXXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXXXXX : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
this company harass me for the pass 10 years for a credit card who they had each year interest I use this card for one time 10 years ago and then I cancelled but I pay the purchase I made when I got the bill at the end of the month. the company is called portfolio rec. phone numberXXXX also a phone number XXXXXXXXn XXXX XXXX same company please help me to stop them to harass me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Stated they were collecting a debt regarding a XXXX XXXX card. I have never owned or used a XXXX XXXX credit card as evidenced by my credit report history. 
I 've asked to be removed from their call list and they refused. They 've called several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the company already that i am dealing with the BBB and the XXXX XXXX because the car is a lemon. They continue to call me day and night everyday and all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: JPMORGAN CHASE & CO.
State: TN
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 balance transfer

Complaint:
I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
ISSUE : NewCredit card issued by Citicorp for Costco. 
Must call Citicorp XXXX number to pay bill and does not disclose my amount to pay each month. Unable to use my current checking account with XXXX directly to pay. Used to be able to use XXXX directly with { Costco } XXXX credit card. Appears like restriction on banking.

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 2022-09-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called a fraudulent XXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$350.00}. I gave them the card number over the phone and never heard from them again. A scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card
Issue: APR or interest rate

Complaint:
I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. 
The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX, VA took over my mortgage loan from TIAA  Bank. I paid off my Mortgage through a refinance. THERE IS AN OVERPAYMENT BY THE NEW MORTGAGE COMPANY OF {$1500.00} AS WELL AS {$1100.00} ESCROW BALANCE AS OF XX/XX/21. NEED YOUR HELP AS NEITHER LOANCARE LLC OR TIAA BANK HAVE ANY WAY OF BEING CONTACTED e-MAIL OR TELEPHONE. PLUS THERE ARE HUNDREDS OF SIMILAR ONLINE COMPLAINTS ABOUT THIS GROUP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a number of issues I 'm trying to get a response from the servicer, Ocwen. I just received a letter from Ocwen which is NOTHING MORE THAN ANOTHER GENERIC letter. This is there way of handling - just keep sending a copy of the modification and after awhile they will give up. NOT THIS PERSON. I will respond to their generic response separately. In the meantime, why are my monthly payments DIFFERENT EVERY MONTH? This was a loan mod with a fixed rate and I understand after the trial payments they need to do some financial adjustments but if I 'm not mistaken, after that the payments should be the same until the adjustment time - 5 years from now. Once again, they are moving the numbers back and forth and until I receive a COMPLETE ACCOUNTING, I will not stop. I work for a XXXX and know they can provide me with the numbers they used in the modification and I requested this. No surprise, I did not get it. Just makes me feel all the more they are hiding numbers.. Please request Ocwen provide me with the numbers I requested in my original letter and have them respond as to why the payment amounts since XX/XX/XXXX have been different EVERY month and I 'm supposed to have a fixed rate. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im unable to login to my account to make payments or login at all their system doesnt recognize my infria ruin when trying to reset my username or password horribke and I want a credit line increase they never give me one Ive been loyal for years their system doesnt see this and I want contactless technology on the car tap pay and the gas pump stations should add it as bp this should become available

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 2016-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Earlier this year, I had my tax information stolen along with all my personal information such as social security and present/past addresses ( our company was hacked, XXXX employees did not get taxes back ), and while checking my Experian credit report, I had hard inquiries a week apart and negative marks on my account. These are not mine and it is fraud. My credit score has now dropped and I am trying to buy a home in the next few months. I have ran into a couple issues because of this tax invasion and fraud. I have never had a late payment and have always had great credit. 

Thank you for understanding, this has been nothing, but a nightmare this year. 

*example of hard inquiries* XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: Bliksum, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is tied to complaint : XXXX and XXXX The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with LoanMe as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from LoanMe was disconnected ( according to the LoanMe rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of XXXX. Lies.

Company response to consumer: Closed with explanation