BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing this letter to formally dispute the following with American Express : 1. Statements that are very confusing and nearly impossible for consumers to understand. Particularly those individuals who have balances that have been transferred to the pay overtime section of their bill. 
2. Recent transactions that were charged to my account by American Express, initially as credit ( adjustments ) then as debits. 
I was given the option to pay balances over time by American Express with a credit limit of XXXX. However, I noticed several adjustments on my account in the amounts of XXXX, XXXX and XXXX. When asked on two occasions how these amounts were arrived at, American Express has yet to produce any evidence regarding how the amounts were derived. 
Also, when I manually added up all of my charges and all of my payments ( not taking into account interest ), the aggregate total reflected was less than the amount that appeared on my XX/XX/XXXX statement. 
Please see letters sent to American Express along with corresponding statements. 
If you can investigate this matter, I would appreciate it immensely. 
Thank you for your time and consideration and for your commitment to ensuring that consumers are treated fairly and not unjustly taken advantage of. That means more than words can express. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage has been transferred again in XXXX 2015 from XXXX XXXX XXXX , XXXX to LoanCare, LLC XXXX XXXX, VA today I called to have the due date changed back to the XXXX of the month. I was told the company does not change due dates. So this means my payment will be reported to the credit bureau as being paid late, and lower our credit rating. The reason I ask for the due date to be changed back to the XXXX is because my husband gets paid once a month and it 's on the first day of the month. We always set up our payments for after the XXXX of the month to avoid being late on payments. It looks better on the credit report and a better credit score for better interest rates on loans. I just can not believe this or any loan service company can put our credit at risk like this. We work hard to have good credit and now LoanCare is going to hurt our good rating as they will not work with us on moving the due date back to the XXXX of the month. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX ; XXXX  XXXX, XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, 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 2015-08-20
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have called PNC customer service 3 times and requested a PIN so I can create an online account and see my loan statements. All 3 times I have been denied! 



Account XXXX, PA XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice to dispute letter. I am unaware of this debt/account.

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 2021-09-28
Company: EQUIFAX, INC.
State: LA
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:
Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Late fee

Complaint:
My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: CA
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Officer, I am writing to report that Bank of America cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Bank of America, regarding my home-line-equity account with Bank of America. I was told by Bank of America that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
However Bank of America failed to keep its promise and closed my Home Equity Line account. 
I am demanding Bank of America : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
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 2016-03-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. That is the cfpb complaint from the first time. It was removed and now its back with a new company three years later. I haven't had XXXX  service since 2013. This is crazy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently signed up for an American Express XXXX ( ending in XXXX ) credit card that offered XXXX bonus Membership Rewards points upon spending {$3000.00} in 92 days. I completed the spending requirement and American Express has clawed back my XXXX points and refused to provide a reason for doing so. 

I spent a total of {$3900.00} ( confirmed by AMEX ) and did so within 92 days. I was unsatisfied with the product during this time, and thus decided to terminate my relationship with American Express on XXXX XXXX, 2016. However, since the spending requirements have been met and points have been issued, American Express erred in clawing back the points. There is no provision in the Terms and Conditions that state how long a card must be open to receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
We got a call at about XXXX XXXX on Friday, XXXX XXXX. The debt collector was calling from XXXX. He called to ask about XXXX XXXX, and also asked if we thought she could ever put our house as collateral. This alarmed my mother and I, as it gave us the impression that our home had been illegally placed as collateral on a loan. I asked the caller to identify himself ; he said his name was XXXX XXXX and was calling for LTD financial services. As a result of this call I ended up divulging phone numbers for other members of my family out of fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the three major credit reporting agencies every month. Midland Funding LLC. should no longer be reporting anything to my credit bureau after XXXX years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.

Company response to consumer: Closed with explanation