BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2022, I signed up for a XXXX American Express XXXX under a XXXX XXXXXXXX XXXX promotion if I spent {$3000.00} within XXXX XXXX. I was given a {$2000.00} credit limit so I charged on the card and then paid it off right away so I could reach the {$3000.00} in purchases. I declined a XXXX XXXX  offer at the furniture store, and charged furniture at XXXX XXXX and XXXX to reach the threshold. I got to the {$3000.00} in XX/XX/2022. I called Amex to make sure I did what I had to do to receive the XXXX miles, and I was assured I would get the miles in XXXX XXXX. I called back a XXXX times and was told the same thing. After about XXXX XXXX, I was told they would open an investigation. I heard nothing, and I called again in XX/XX/2022, and the representative said she could see my promotion on her computer screen as part of my records, and she reopened the investigation. I was recently told that the terms and conditions was the reason AMEX did not honor the promotion. I paid a {$250.00} XXXX fee and accrued interest on this card in consideration for the XXXX miles, and Amex breached their offer to me. I was never told I would not receive the miles, and I was affirmatively told I qualified at least XXXX different times as evidenced by Amexs own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Credit Sage LLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Today XXXX XXXX 2022 at XXXX ( PST ) I spoke with a man named XXXX with XXXX. He stated to me he could get my credit debt disputed but i have to pay {$190.00} for initial fee, then {$99.00} a month until it is resolved then I call them ( credit sage ) to cancel the {$99.00} a month. I did however give him my husbands FULL Social Security and Date Of Birth. I do not want any of that information to get leaked or someone opens a credit card, or something serious with my husbands information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: LOAN TO LEARN
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned XXXX items to Kay jewlers in the XXXX XXXX, CA mall on XXXX/XXXX/16. Sales person assured me that the money was instantly refunded. Card is still stating a balance of {$2700.00}. The balance owed should be {$0.00} since I no longer have the purchased items. {$0.00} in merchandise = {$0.00} owed. Please correct the {$2.00}, XXXX balance on my account to {$0.00} immediately, as I should no longer have a balance as all merchandise was returned. I called four different times and all four times the people on the phone assured me that they will send a ticket to the XXXX or it department and they will set the balance to {$0.00} since I returned all purchased merchandise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from 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 2022-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 : I sent completed and returned the requested form to USAA about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from USAA that I had an auto loan through USAA and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX  credit bureaus and USAA who claims that it is the responsibility of the credit bureaus to report correct information. USAA provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and USAA claims it is out of their hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SN Servicing Corporation is forcing me to add to their name to my XXXX XXXX policy as payee or forcing me to pay an incredibly high insurance for hazard coverage. I already have hazard coverage through both my XXXX XXXX XXXX and my own condo insurance through XXXX XXXX. 

I believe SN Servicing is incentivizing condo homeowners and XXXX to commit insurance fraud by requesting to be illegally added to XXXX XXXX XXXX and deceptively forcing homeowners to pay high insurance fees if they are not added. Their practices are unfair and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. 
Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. 
Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
Wells Fargo are not complying with Regulation CC. On XX/XX/2022, I deposited {$100000.00} via a cashiers check from another local bank and was told that they were going to hold funds for XXXX business days making funds not available to me until XXXX - 12 days total. I have been a good customer for 15 years, never delinquent and have made occasional high deposits in the past. This is not the first time that this has happened and been held. The check was deposited in person and WF could have called the other local bank to verify legitimacy. I do not believe that XXXX business days and XXXX in total is reasonable and complies with Regulation CC. I spoke withXXXX 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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A {$95.00} annual fee was assessed to my American Express XXXX XXXX XXXX card in XX/XX/XXXX which I forgot to cancel. I was overseas for some time due to Covid-19 and calling to downgrade the card was forgotten and not a priority when I am afraid to return to USA. I did not have computer access at times and mail was returned since I forgot to forward to the proper place. {$46.00} was credited due to the downgrade on XX/XX/XXXX, to another product but the remaining {$48.00} is being held hostage by American Express for a 20+ years member whose business is not valued. Please refund the remaining {$48.00} as a sign of good will gesture and one time courtesy. Although I like the benefits American Express provides, I will use Visa and Mastercard  and will tell my friends and family to use other credit cards. 

American Express is adamant about its policy of the {$95.00} annual fee and says it is not in their policy to refund the remaining amount. This credit card was a solicitation by American Express to upgrade the card by giving a promotion and I regret falling for the trap since American Express rejected my request. 

XXXX understood the situation and refunded the annual fee for its XXXX XXXX XXXX XXXX. American Express should follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to get a loan modification on my existing mortgage and no one is trying to help me with that. I am not satisfied with my new mortgage service. My loan was sold to them this past year from XXXX XXXX. I can never get anyone on the phone or any response to my emails. I am very concerned. I just want to talk to someone about a loan modification. Please. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: General Motors Financial Company, Inc.
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-16
Company: Reverse Mortgage Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file : XXXX XXXX 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