BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.

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 2016-07-30
Company: ACS Education Services
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I signed for a loan, signing my mother 's name ( XXXX XXXX ) as a co-signer. I informed Navient that my mother never new of the loan. My mother saw XXXX accounts for Navient listed on her credit reports twice. She was extremely upset and I did admit it was XXXX loan not XXXX and I informed her it was for a third less than the amount in which she indicated. They have XXXX account as XXXX for the amount of {$63000.00} and account number XXXX for the amount of {$71000.00}. I do not know why they have the loan listed twice, it was only XXXX loan and it was no where near the amounts they have listed. She contacted the company several times and informed them that they had a mistake on her credit reports, they indicated she co-signed with me, She informed them she did not, she never knew anything about a loan, which I confirmed that is the truth. They are aware as she has also filed complaints and they still want to hold her liable for a loan she never authorized. She contacted me in which I apologized, during that time my father and brother were battling XXXX and I did not want to ask, but I did not have any right to sign her name. She informed me that I better contact them because she could not be held liable. I finally notified them over a year ago that she was n't the party who signed for the XXXX loan and informing them that my mother knew nothing of the loan and is n't responsible. They still have not removed these accounts from her credit reports. They have overcharged and imposed excessive fees and added an additional account that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
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 refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America approved a short sale, which did not sell. The next course of action is a Deed-In-Lieu, but Bank of America will not return nor answer any of my calls, leaving me facing a pending foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
American express reserve issues debit cards based on email verification, not a real identity of the person like social security number.I received a debit card sent by a scammer and I deposited {$500.00} towards comcast service for 5 months as a promotion.Scammer even sent me all details about comcast services and when called the number it said XXXX menu. 
Actually scammer filled my information and gave his email and when american express sent him email confirmation, he clicked and got approved a debit card for XXXX without depositing single penny. I Can not imagine opening an account without real identity of the person. 
American express reserve agent informs me that debit cards are not fraud protected and buyer be aware.Why is american express is allowed to issue debit cards based on email verification.This is a perfect recipe for scammers and terrorists to transfer money, if american express can not trace the XXXX XXXX. 
your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX has made harassing calls to myself and my mother, a female left @ least XXXX different voice mails on my mothers phone, stating " they will be at XXXX 's home tomorrow to take care of this debt matter " or we will be at her home around noon to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe XXXX money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.

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 2020-10-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2020 I sent LexisNexis out a letter asking them to provide the documentation of how and who they spoke to, for them to supply the credit bureaus with a bankruptcy on my credit report. After 50 days and no response I sent out another letter on XX/XX/2020 stating that since they have not provided any details or responded on how they received information of a bankruptcy on my behalf, that they needed to remove it, and share the deleted details to the credit bureaus XXXX, XXXX, and XXXX. Lexis Nexis has not yet responded to either letter in which I have tracking on, so I'm moving on to the next step with this complaint. I also sent LexisNexis a letter telling them to put a Security freeze on my account/report so that no one else can receive any information about myself. Well I just received a letter from a credit union stating that they received information from LexisNexis when that should not have happened because a security freeze was supposed to be put on my account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
In XX/XX/XXXX, I discovered my Citibank card had been hacked. I went online to pay my bill, and discovered a huge balance. I called immediately. I was told the account would be closed and I needed to pay the balance in full, including recent charges that had not shown up on a statement yet. I paid in full the amount I was given. The account was closed and a new one opened. 
I received a statement for the new account with a balance of $ XXXX, although I had not used the account since I had paid it off. I called many, many times to try to find out where the balance came from - no one could give me an answer. Month after month after month I received harassing phone calls and letters, and they continued to send me statements with late fees and interest. I refused to pay until they could tell me where the original balance came from. Long story short, it took from XX/XX/XXXX to XX/XX/XXXX, with much correspondence with the XXXX ( complaint # XXXX ), for them to FINALLY show me what the charge was for. Turns out the charge was legitimately mine - I was told it hit the old account the same night it was closed, thus did not show up when I was given my final balance, but did carry over to the new account. I had no problem whatsoever paying the $ XXXX ( and did so immediately ), but no way was I going to pay late fees and interest when it was them that could not provide the information I needed to begin with. They did remove the interest and late fees as a 'courtesy '. 
I later discovered when I checked my credit score online that they have dinged my other-than-this-perfect credit report with a 'missed payment '. I have appealed to them XXXX to have it removed, but they claim since it was not a 'bank error ' the ding remains. My stance is while they may not consider it their 'error ', it certainly was their inability/unwillingness to provide the information I required for ten months that caused all this, and is absolutely in no way, shape, or form the result of any fault on my part. Quite the opposite - I tried for almost a year to resolve the issue with no cooperation whatsoever from them, only harassment. 
Thank you for your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
American Express Serve Card An ATM transaction occurred on XX/XX/XXXX around XXXX The location was money pass ATM in which American Express Serve , which has no ATM fees using this location at XXXX Still. XXXX XXXX XXXX, LA. I promptly contacted the company when the ATM did n't dispurse the cash as I requested, it cancelled the transaction, but yet my account reflected XXXX withdrawal, I had to wait days later to receive the dispute forms, I started faxing on the XXXX of XXXX, each time I contacted customer service, they said the account was noted that I was sending the fax, yet on XXXX of XXXX I learned it was all lies, the customer service rep I spoke to on today stated clearly each notation stated I just wanted to know of updates, now I received an email stating I did n't send what they requested and I 'm not eligible for the credit, now take in mind the email was send at XXXX, so now I have to wait and additional 30 to45 days, because they employ individuals whom feel you call or ask for a supervisor to much they 're annoyed at you about you 're hard earned money you worked for, now this company is rated by high standards, yet the way they treat you is very low, if you call the main company, they will tell you it 's not the same affiliate, yet go to the American Express website and read, it 's part of them but separate divison, some one in executive office should be made aware and accountable for how its brand is being represented by it 's employees also better contact options for the consumer

Company response to consumer: Closed with explanation