BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a Bank of America mortgage that was originated in XX/XX/XXXX. It is an FHA loan that was modified in XXXX XXXX. 

I recently applied for a Reverse Mortgage and learned that BOA has placed XXXX liens on my property ... XXXX of which are duplicates of the original loan modification. There should only be XXXX lien, but BOA sent the exact paperwork to the Clerk and Recorder 's office in XXXX, Colorado on 3 different occasions over a 6 month period. 

I can not proceed with the reverse mortgage until these duplicate liens have been removed. 
On XXXX I spoke to XXXX at BOA who told me that she would call me on Tuesday, XXXX XXXX with a status report. She did not call. I called Bank of America on XXXX XXXX and talked to XXXX, who emailed XXXX about the status. XXXX reported that XXXX stated that the department for BOA that handles such matters had nor responded within the required 48hours so her supervisor was now making request and that she would call by XXXX XXXX. Again no call. I called BOA on Friday, XXXX XXXX and spoke with XXXX. He told me that he was forwarding my concerns to my loan manager XXXX in XXXX XXXX and that he was again emailing XXXX for status. He told me that either XXXX or XXXX would be calling me on Friday and that if they did not, that he would call me. NO ONE CALLED. 
I can not proceed with the reverse mortgage until this is resolved. HELP

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 2021-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a chase checking account about 15-20 years ago it was closed they never told me why and till this day I cant open a new account with them. If I owe money I will be willing to pay them I just want to open a chase bank account its the only bank thats convenient for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See letter from Attorney XXXX to Cooper. Mr. CooperXXXX purchased mortgage from XXXX XXXX. Mr. Cooper held {$14000.00} escrow account to pay property taxes and insurance. Paid property taxes late incurring penalty of $ XXXX ; prepaid property taxes not due- overdrawing escrow account by thousands of dollars ; started charging additional impound fees and interest and late payments instead of securing refund of overpaid amounts ; I paid all principal and interest due on mortgage on time ; cancelled escrow account according to California law that does not allow Cooper to collect impound accounts ; Cooper increased debt load, threatens foreclosure ; provided negative credit report to XXXX  ; refuses to allow my attorney to speak to legal department ; Cooper settled multi million foreclosure scam with XXXX  in XX/XX/2020 ; I can not refinance without paying illegal charges. Forces me to file lawsuit and incur additional costs or be subject to Cooper extortion. Cooper needs to be put out of business. their practices are illegal ; their staff is trained to lie ; they do not respond in a timely manner and there is no coordination between departments. Delays are excessive..this has been going on since XX/XX/2020 and no resolution is in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover card took {$200.00} from my bank account as a deposit on a secured card, then never gave me access to the card. They made me get something notarized and I faxed iyt to them. Still nothing. They then said I need to send them 3bank statements, which I sen through the mail. They said they didn't get it. They closed the account and will not give me my deposit back. They say I didn't file a dispute in time. This was a scam from the beginning, my bank says it is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Both accounts below are settled and closed. Should have a zero balance on credit report along with a zero past due amount. Please investigate and update credit report. Accounts are shown on both transunion and XXXX credit reports. 

Account # 1 {$850.00} BalanceXXXX XXXX XXXX XXXX XXXX ( Agreed to settlement and account should be closed with a zero balance ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 2 ( Agreed to settlement and account should be closed with a zero balance ). 
{$620.00} BalanceGE XXXX XXXX XXXXAgain, all accounts were settled and agreed upon by both parties. Both accounts should be closed and show a zero balance ... .. Please see attached report from credit Karma ( transunion and XXXX ) show this balance still.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a bluebird american express card purchased at XXXX. My account has been frozen and is under review. I was told this process would be completed in four business days. I called to check the status on this at least 4 times. Each time I was told 4 business days. I called back on the 4th day and was told i would get an answer by the end of the day. What time was considered the end of the day could not be provided by the agent. I heard nothing and called back again. I was then told it would be 5 business days. the agent said i was provided the wrong timing. How could that be XXXX different times by XXXX different people? I got the same answer that I was provided the wrong information and I would get an email about the status of my account. I called back the next day to check again. I was told an agent called me and did not get an answer so I would have to wait two more business days to get another call from them. I told the agent I was informed I would be contacted by email and that I was at work at the time I could n't answer the phone why do I have to wait two more days. A supervisor then got on the phone and said she would check and see what the next step was and she would call me back by XXXX eastern time. I got a call back at exactly XXXX XXXX and was told again they did not know the status and could not provide me any timing. I asked if there was someone in this mysterious backroom I could speak with. I asked if they needed more information or was there anything I could do to get an answer and my funds released. The answer was " the backroom office is unavailable and they are closed now anyway. I feel like this person waited to call me back until there was nobody else to speak with because they had all gone home. My payroll check is deposited on this account and my children have been at home alone for this amount of time because I did not have the money to get home to them, I also have been sleeping in my car because of this hold that nobody seems to be able to explain. I work hard for my money and it is too late for my payroll check to be deposited to a different account. I have now had to miss my children and their activities as well as being forced to sleep in my car due to this conflict of information and lack of an explanation for the hold on my account. The last answer I received at this time is " All the supervisors know my situation and when they hear from the backroom about the status of my account or what steps to take they will contact me. '' I asked when I might expect something and the answer was. " I ca n't provide timing, we are waiting to hear from the backroom. '' I feel like I have been getting the run around and want the company to be honest and forthcoming with information. I have no problem providing any information needed in order to get my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I believe XXXX, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested twice in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to both their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out about the debt due to my credit report. I reached out to XXXX to get info about the debt. It was from XXXX. I did not know about it until now XXXX. When I reached out to the collector they said it has been with them since XXXX. It is for over XXXX dollars. They have not sent me once notice of collections. They have the correct address and information of how to contact me and have not tried once. Nor would they give me any information and told me to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: SCOTTRADE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.

Company response to consumer: Closed
Consumer complaint received 2021-07-01
Company: MCMC Auto LTD
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: Account information incorrect

Complaint:
Mike Carlson Motor Company Has deliberately reported that an old auto loan account is open and that I owe a balance of {$17000.00} when in fact this account was paid in full after I traded in an auto to them in order to get a new vehicle after problems were found that were not disclosed about the previous vehicle I purchased from them. Recently, the auto I purchased from them through their inhouse financing was stolen, wrecked, and declared a total loss by my insurance company XXXX, after XXXX settled my claim and paid Mike Carlson Motor Company {$11000.00}, Mike Carlson Motor Pressured me about producing a police report which I could not produce because when I contacted the local police department concerning the theft of my vehicle for what ever reason, I was unable to get cooperation on a police report from the local police department after several attempt 's, I spoke with Mike Carlson Motor Company on More than one occasions about the matter because I purchased Gap insurance coverage through Mike Carlson Motor Company in addition to my XXXX policy which was supposed to cover any additional amounts that my primary auto insurance didn't cover in the event of a total loss. After checking my XXXX  credit report on XX/XX/2021, I discovered that Mike Carlson Motor Company erroneously reported that I have two separate auto loans with them which inflated my debt significantly and and likely lowered my Credit scores which has caused me Financial harm, as when I attempted to conduct a financial loan transaction, my credit report was showing erroneous information by Mike Carlson Motor Company, this is not the first time I've had this problem with Mike Carlson Motor Company because they have in past time, reported erroneous account information in the past showing that I had two open accounts with them which took me nearly two months to get corrected through a dispute. Because the additional account that is now being reported to XXXX currently as now being an open account with a balance of over {$17000.00} has in fact been reporting as closed and paid as agreed for more than six months, I believe that the erroneous reporting of this information is intentionally and being used as a tactic to prevent me from being able to finance another vehicle from elsewhere. I now have this account in dispute with XXXX, however, Mike Carlson Motor Company is causing me reputable and financial harm by reporting erroneous information about my credit worthiness especially since I've made all payments as agreed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As of XX/XX/XXXX I have been dealing with the Rush Card issues, as of XX/XX/XXXX I applied for a replacement card to be express deliver that was suppose to come to me on XX/XX/XXXX, which I still do n't have as of XX/XX/XXXX. Keep in mind they charged my account a XXXX fee for express service. Every time I call no one helps me, hang up on me or leave me on hold for hour. I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.

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 monetary relief
Consumer complaint received 2015-06-19
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX XXXXXXXX. XXXX  XXXX has reported to the credit bureaus od transunuin and XXXX  that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.

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 2016-12-01
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Ive sent a dispute to XXXX and transunion on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.

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 2016-11-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I HAD A CREDIT BALANCE ON MY AMERICAN EXPRESS CARD FOR AMOUNT OF {$21.00} AS PER XX/XX/2016. I CALLED CUSTOMER SERVICE ON XX/XX/2016 & SPOKE TO XXXX XXXX . I REQUESTED HIM FOR REFUND CHECK FOR {$21.00}. TODAY, I RECEIVED STATEMENT OF THIS CREDIT CARD WHICH CLOSE ON XX/XX/2016. I DID NOT GET MY CHECK. CUSTOMER SERVICE OF AMERICAN EXPRESS IS VERY BAD & UNTRUSTWORTHY. IT IS NOT FAIR THAT THEY HAVE ALL THE RIGHTS TO COLLECT LATE FEE, INTEREST & REPORT TO CREDIT BUREAU. THEY SHOULD BE EQUALLY PENALIZE AS THEY DO WITH CUSTOMER. THEIR CUSTOMER SERVICE IS IN XXXX & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I was late making the monthly balance payment to American Express on account numberXXXX. They eventually cancelled the card and charges off a balance of {$1400.00}, but not before rolling up late charges and interest for many months. I have asked repeatedly for several of the bill collectors to get me a copy of what any actual charges were, as opposed to penalties and interest, and offered to pay actual charges, but no one ever responds, and if i try to call AMEX they just say it has gone to collections and refuse to talk to me. None of the collectors ever send a copy of what I am being charged for.

Company response to consumer: Closed with explanation