BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortage with Amerisave and almost every month when I go to make my payment online, I have trouble accessing my account. One month I had to reset my entire log-in credentials and then it did n't work -they froze me out of my account. Today, I go to make my mortage payment that 's due tomorrow and when I entered my log-in information they took me to a screen that says I need to enter in a passcode they will send me by email. I never received an email so I had to call ( and was onhold a long time ) and then the agent said they were having trouble with their server and I needed to try again tomorrow. I then asked to make a payment by phone but she said there was a fee and when I asked them to waive the fee, they refused. I asked to speak to a supervisor and she refused to waive the fee for taking my pamyent over the phone - I believe they make it difficult to pay on-line so they can receive the pay by phone fee. When I asked her what other option I had, she said to mail in a check - this of course would probably make me late and then they can collect a late fee. I would like to file a class action suit against this company for making it almost impossible to pay on-line and thus they can collect a pay by phone fee. I have another home with a mortgage by a different lender and I NEVER have these issues related to making a payment online.

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 2016-02-04
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
My husband and I each had a XXXX XXXX XXXX that we used to purchase round trip tickets from XXXX to XXXX last week. At the same time, we are both holders of the co-branded AMEX/XXXX - which entitles us to priority zone XXXX boarding, a convenient benefit since you can be assured that there will be ample room in the overhead bins for your carry on luggage. On our return trip XXXX from XXXX to XXXX, we were issued zone XXXX boarding, virtually guaranteeing no chance that there would be overhead space for our bags. Both my husband and I called both XXXX and AMEX and we were told by AMEX that it was a XXXX 'issue ' and told by Delta that due to the tickets being 'e ' class, they did not need to honor zone XXXX boarding. When purchasing the tickets, there was no mention of any restrictions that an e class fare carried. I presented my case to both XXXX and AMEX - that this was false advertising on their website - they capture customers by this fantastic benefit and there is absolutely no mention whatsoever that it is restricted to certain fare categories. XXXX supervisor went so far as to tell me to check the 'fine print ' area - I did that as well, no mention of restricting zone boarding to certain fare classes. She then told me that there is always the last statement, 'terms subject to change ' or something along those lines. They recorded several of the conversations when they were at the supervisor level, but all to no avail. In my opinion, this is a massive case of false advertising in the hopes of capturing large amounts of customers with benefits that they might/might not provide. Numerous individuals from both companies did not have an answer as to why the benefits were published on the website with no mention of any fare classes that would disqualify these benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have several unauthorized transactions on my account totalling almost XXXX ... .i called to get this money put back on my account ( my cards obviously been compromised so they are sending a new card ) but they told me they could not put the miney back on my account and I would have to wait until the investigatiin was over well i dont have that type of time to wait for MY money, they obviously can tell it is fraud ( XXXX transactions ) so my money should be put back in my account immediately. Customer service sucks and they need to fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: GLA Collection Company, Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My late husband open this account without my knowledge. He was XXXX by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AMEX XXXX XXXX XXXX XXXX TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.AMEX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY BOTH ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I RECEIVED A COURT DOCUMENT ON XX/XX/2016 STATING I HAVE A MAGISTRATE HEARING ON XX/XX/XXXX AT XXXX COURT. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX AT EXT XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSWORLD SYSTEMS INC
State: MA
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 have received 4 telephone messages from Transworld Systems Incorporated in the past month. They call once a week from XXXX and leave a message to call XXXX XXXX at XXXX. They explicitly state that it is an attempt to collect a debt. I did n't call back because I have not received any written notice of any debt, have no knowledge of any debt and they actually do n't indicate who the call is intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express card with a bonus offer of XXXX Membership Rewards points after spending {$3000.00} in three months. I met these requirements, was given my points, then at the 3 month mark, American Express took the points away, as an " adjustment ''. 

I was then told by various representatives that my points were taken away because I was certain purchases were returned and that these returns brought me below the {$3000.00} requirement. But upon checking my transaction history, there were no such returns and I had indeed met the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ENCORE CAPITAL GROUP 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 is not mine

Complaint:
XXXX ( the original creditor ) sent me a letter saying this was being deleted. But Midland is still reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. 

On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. 

I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
Regarding Application : AMEX EVERYDAY CREDIT CARD made on XXXX/XXXX/XXXX REF/SSN : XXXX To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of XXXX as of today with XXXX % low credit usage, total credit line ( {$4900.00} ) no missed payments and no negative history ( XXXX report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is solely as a result of me being a new lawful resident of the US. I have a XXXX degree XXXX in XXXX and I am now a XXXX, XXXX. 

When I initially applied XX/XX/XXXX the AMEX representative told me that I should wait at least six months until I establish good credit history as a borrower : as I did. Could you please review my credit card application to see if there is a way I can be approved? If you 'd prefer to give me a smaller credit allowance, I 'd be happy to show my responsibility as a card holder. I do not currently have an American Express card, and my research has shown me that the Everyday card has an excellent reputation. As you can see on the initial application, my business, which I have for a 8 months brings me substantial profit $ $ $ $ $ $ worth of profit this year. 

I 'm including my Experian credit report on XXXX XXXX, XXXX for your convenience. 
Should you have any questions, you can contact me at XXXX. 

In terms of recent inquiries, please note XXXX inquiries are fraudulent and they are currently being 'disputed ' - it takes up to 60 days to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 sent 3 letters asking Midland Credit Management to verify XXXX debts that appeared on my credit report because I have absolutely no knowledge or recollection of them. I sent the letters with a tracking receipt. XXXX XXXX XXXX sent me the same letter in response 3 separate times. I am unsure how to proceed with them but I definitely want to clear my name. I do n't think that they are following the law and I wo n't pay a debt that is n't really mine. I 've heard how unscrupulous this company can be and I would someone to investigate to help me get to the bottom of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
American Express that I signed up for because it made it easier to shop at XXXX, has repeatedly overcharged interest. I finally decided to cancel the card, called for the payoff, wrote a check for that amount and sent it that day. They cancelled the card but they are now charging {$9.00} on no purchases and saying that I owe interest on previous charges.

Company response to consumer: Closed with explanation