BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express did not send us a monthly bill and as a result we incurred late fees. When cancelling the card as a result, they made calculation errors which resulted in further fees for me, and they disputed that my annual fee should be refunded. I had to call four times to try to get a resolution and despite having a copy of the recorded call, they would not let me have a copy to prove that their employee had erred and my annual fee should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. 
My name is XXXX XXXX My telephone number is XXXX Thank you for listenng

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2019-05-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you onXX/XX/XXXXXX/XX/XXXX19 and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX onXX/XX/XXXX19 and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

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 2016-10-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CURO Intermediate Holdings
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account US BANK XXXXXXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18
Company: Hollis Cobb Associates
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My spouse ordered an item via the internet ( magazine ) but item was returned immediately. We have written and called the company every month since and never have received any type of correspondence from them. They are now referring to Bonded Collection Corporation. ( see attached letter ) and statement from XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: GEORGE MASON MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am XXXX XXXX and receive both social security and long-term XXXX payments. I, along with my wife as co-borrower, applied for a VA loan from George Mason Mortgage in XXXX, VA ( branch office inXXXX, VA. ) I am virtually debt-free and have a credit score of XXXX. 
I have over {$30000.00} in savings, very little consumer debt, and a home that is paid for ( which I am selling ). My wife and I had to contact theCEO of George Mason Mortgage, XXXX XXXX XXXX, and file a complaintagainst its loan officer, XXXX XXXX, because he was not processing my VA loan, my VA loan and kept drilling me on my public assistance and LTDpayments ( " income '' ) even though I provided him a lot of supportingdocumentation regarding my income ( which is sufficient for the loan I am seeking ). XXXX XXXX started drilling me about my specific XXXX and even said he even wanted to contact XXXX, the XXXX insurance company, becauseI " could '' lose this XXXX payments ( which is highly unlikely ). XXXX XXXX insisted thatI have bank statements from XXXX XXXX XXXX -- where I have $ XXXX in savings -- stamped and signed off by a bank official. It appears that XXXX XXXX has lost or misplaced some of my supporting documentbecause he kept asking for the same documents over and over. Then, his senior VP ( branch manager ) took over my loan app and was thepoint-of-contact. I still have trouble getting answers to my questions. 
It appears to me that I am being overcharged by this lender beyond the closing costs and 1 % of loan amount that the VA allows. The lendersent me a commitment letter that contradicts other documentsXXXX.XXXX sent me to which locks in my VA loan rate of 3 % APR15-year fixed. I have complained to the realtor, who says she wo n't use George Mason Mortgage again for any of her clients. ( She hadrecommended this lender to me and is now sorry that she did so. ) I have complained to the CEO again and have kept him in the email distribution as I try to get answers and get this loan completed. I am certain that I have beendiscriminated because of my XXXX and receiving XXXX income. 
With my credit score, credit history, current income, no bad debts, etc., Ishould not be hassled and questioned so heavily -- and repeatedly -- regarding my XXXX and eligibility for this loan. If legal assistance isavailable, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Their first attempt to contact me to discuss a debt from a recent medical bill was to contact me at work directly. They did n't initiate by my cell phone or by mail at all. Told me, at work, that I needed to contact them before the original creditor decided to take further action. Totally unacceptable and unprofessional forcing me to respond and negotiate such items at my work place, in front of other employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Columbia Collection Service, Inc.
State: OR
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:
In XXXX, XXXX, I received a notice from Columbia Collection Service. On XXXX XXXX, XXXX, I responded with a dispute requesting proof. On XXXX XXXX, XXXX I received a second letter still attempting to collect, without having received any proof. I wrote a second letter notifying them the debt is disputed and to provide proof. On XXXX XXXX, XXXX I received a 10 day notice to pay with the underlying tone they were planning to sue for the disputed amount. I sent a certified letter reiterating that the debt is disputed and proof had not been received. On XXXX XXXX, XXXX, I was served with a small claims suit. At no point has the agency provided the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's contacted me in XXXX 2016. They stated that they believed that there was fraudulent activity on my Macy 's credit card. They felt that charges were fraudulent because the merchandise was not being shipped to my home address. I confirmed with them that I had definitely not made the fraudulent purchases. Macy 's assured me that the fraudulent charges would fully investigated and they would be removed from my charge account. They stated since the charges would be removed, there was nothing further for me to do. I had none of my own purchases on the card at the time of the fraudulent activity and I have not used it since that incident. It is now XXXX XXXX, and the charges remain on my account and they are placing late charges on the account for non 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 monetary relief
Consumer complaint received 2015-08-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Balance transfer

Complaint:
Sent credit card balance transfer from XXXX ( Account XXXX ) to Citibank ( {$9200.00}, Citibank Account XXXX ) and XXXX ( {$5700.00} ) on XX/XX/2017. XXXX posted transfer on XX/XX/2017. Citibank stated on XX/XX/2017 that they have not received the balance transfer even after verifying the account information several times. As another example, I sent a XXXX XXXX bill pay to Citibank and it posted in 4 days. 

XXXX has verified that the Citibank balance transfer was a valid account and it left their institution on XX/XX/2017. After 13 days, they have not received a notice from Citibank that it was rejected.

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 2015-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.

Company response to consumer: Closed with explanation