BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Loan #  XXXX  The   XXXX   XXXX   XXXX   XXXX    XXXX  FKA the   XXXX   XXXX   XXXX   XXXX   as Successor indenture Trustee to  XXXX   XXXX   XXXX ,  XXXX  as Indenture Trustee for the  XXXX    XXXX       XXXX   XXXX   XXXX   XXXX  , Serie s  XXXX  We  have been unable to pay the amount due as we have fallen behind/short some months ago due to major increase in the monthly mortgage payment, My wife  XXXX  and I have recently separated. Im a   XXXX   XXXX   XXXX   and due to the market Ive had a drastic decrease in income. My wife currently working  part time and is searching for something more full time.      BAC modified the first loan in  2009.  we need help with the second loan. Our intention is to keep our home with the help of a reducing our monthly mortgage payments in order to get back on track. We have reached out to Bank of America asking for assistance with a Modification and I 've been declined assistance.

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 2016-05-18
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card
Issue: Credit determination

Complaint:
This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Dear XXXX, I received an email from American Express to offer me a new Business Gold Rewards Card. The welcome offer for the card, as described in the email, is to get XXXX Membership Rewards ( R ) points after I spend {$5000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. My application must be received by XXXX XXXX, 2015 to be eligible for this offer. 

I was not sure if I need the card but though the welcome offer was generous and finally applied the card and got approved on XXXX XXXX, 2015. 

However, 3 months after I met the spending requirement, I did not receive the XXXX Membership Rewards ( R ) points so far. I have contacted American Express many times ( through phone and online chat ), but never get the issue solved. They told me my welcome offer was XXXX Membership Rewards ( R ) points after I spend {$10000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. And, since the 3 months already passed and I spent less than {$10000.00} on my card, they can not offer the XXXX Membership Rewards ( R ) points. 

Although I still has the email and offered to forward them the email, but they never asked for the email. They simply declined the welcome offer they sent to me. 

Please help me to make American Express do what they promised. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been a card member of American Express since 1980. Most recently I had a Gold Card and received some marketing material in the mail. It contained an offer to upgrade to a Premier Rewards Gold Card. It said I would get double points if I upgrade. There was a phone number contained within the marketing materials and I called to inquire. I was told by the representative that it would be just like the Gold Card but with double and in some instances XXXX points. 

I inquired that by upgrading, would I have the same benefits and the answer was definitely yes. What was not told, was that XXXX of my benefits, specifically, Pay over Time features ( Extended Payment Option, Sign & Travel and Select and Pay Later ) would not carry over and that I had on my Gold Card for many years.. 

After the first couple of monthly statements of the XXXX XXXX Gold Card, I noticed that my Pay over Time features did not carry over to the new card. I called on several occasions and I was told that XXXX XXXX Gold Card is a new account and you have to be " invited '' to be eligible for the Pay over Time features. What I do n't understand is what happened to my 36 years of being a loyal customer American Express Card Member. 

In my opinion, the conversion of my Gold Card to the XXXX XXXX Gold Card is basically is a bait and switch. I was asked to upgrade, but I was never told I would lose my Pay over Time benefits. American Express is now collecting a higher annual fee from me and I am receiving fewer benefits. 

On another call that I made to follow up again about the Pay over Time features, again I was told that I have to be '' invited ''. I asked the represenative how do I get " invited and he and subsequently his supervisor could not tell me how. Do you think this is fair treatment of a XXXX loyal customer of American Express? 

In subsequent months I have lost points awarded to my account. I could go on but it is obvious to me that American Express does n't care about its members. My membership has no privileges. 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The drop-down menu does not have an option that would be on point with my complaint which is trifold:1 ) During negotiations of the settlement of balance on my credit cards, Amex repeatedly represented and promised that if I entered into a repayment agreement and made all payments on time pursuant to it, my accounts with Amex would be reopened based only on the repayment history. However, when I contacted Amex upon making all XXXX payments on time, Amex refused to reopen my, accounts. 

2 ) During the repayment period of 36 months, neither Amex nor their debt collector - XXXX - provided periodic account statements as required by law. In that period of time, I received only XXXX random statements out of the minimum of XXXX which they should have provided to comply with the law ( quarterly frequency is the lowest permissible under the law ). 

3 ) I believe that my payments were misapplied, and that as a result, the amount I paid exceeded what was owed to Amex. Of course, timely statements, had they been provided, would have allowed me to verify the application of my payments, but I was deprived of the opportunity of such timely verification. Through other sources of information including my credit report, I was able to confirm that in XXXX 2015, Amex reported XXXX of my cards as paid off in full. Giving Amex the benefit of the doubt ( and assuming that they report such information timely ) that card might have been paid off in XXXX 2015 ( if not earlier ). However, Amex continued to collect and apply towards that account a portion of my payment for the months of XXXX and XXXX. Those payments amounted to {$140.00}, and I believe that that is the amount of overpayment which should have been returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CONVERGENT OUTSOURCING plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}

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 2016-11-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This morning I went on-line to my American Express account and noticed that my account was 19 days past due. I promptly paid the amount that they requested online that would bring the card immediately current. I paid by having the amount deducted from my bank account on the same day. Thinking that the matter was settled, I then called American Express to explore my " Membership Rewards '' options, because I have accumulated a lot of points. When I asked to speak to the Membership Rewards department, I was interrupted by a customer service representative who asked me to pay an additional amount -- any additional amount. When I asked her what the benefit of doing so would be, she simply said that it will reduce my future invoice. When I asked again what the benefit to me would be of paying an additional amount, she said that she would put a positive note into my account. When I asked her if this would have any impact on my credit score, she said no, it would not. The representative could not articulate for me what benefit would accrue to me from any additional payment. Yet, the representative kept me on the phone for 15-20 minutes and would not connect me to Membership Rewards until I paid an additional amount. I paid {$2.00} more and then when she connected me to Membership Rewards, the office was closed. This was an incredibly frustrating experience and waste of my time. My issue is not with the customer service representative. My issue is with American Express 's practices. I have been a card member for 22 years and have never had to complain before, but this was beyond the pale. American Express needs to change their abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
My name is XXXX XXXX my account is XXXX I had an auto load in good with bbt aka truist. The vehicle was totalled and my insurance company paid the vehicle off in full. I made a full payment to keep the account current before the payoff and now my credit has been trashed minus XXXX points cause it was marked as late in XXXX but now paid off. i did nothing wrong and that account was paid on time and in full and I demand the credit be corrected to reflect the account in good stand this was like a slap in the face as we part ways and I am so XXXX XXXX. I will be filing state regulator complaints and filing a detailed complaint with the southern district of new york as I reside within that jurisdiction at my parents ny residents until my credit is restored.

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 2015-11-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had started the loan process with Amerisave after XXXX could not accept us trying to buy a stateside house while living and working overseas. We had gone through all the motions and was told that we would have to claim the house as a XXXX home which was not an issue. All documentation had been submitted and underwriting is being completely difficult. My wife and I are residents of Ohio. I enlisted in the XXXX XXXX in XXXX XXXX. I got out in XXXX XXXX. I currently work for XXXX out in XXXX, XXXX and my wife is a XXXX. Her job covers the housing and technically we do not pay rent out of pocket. I 'm not sure what is so hard to understand about that. That 's not the real issue though. It came about that the underwriter can not accept my Ohio address as a real address. I do NOT understand why, I lived there for 10+ years even before going into the military. They ca n't give me a clear explanation as to why they will not accept it. I have claimed Ohio State taxes for multiple years at the same address. It is frustrating that I 've paid the appraisal fee and not I 'm hanging on a limb wondering why an address can not be accepted to start closing the loan. Upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief