BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made my monthly payment due on XXXX using the online tool. Then I arranged to pay off my loan on Sat. XXXX after calculating their 'payoff ' calendar. ( Approx $ XXXX ) Since it was a holiday weekend, I figured they would process my payoff after the XXXX of XXXX weekend. I kept checking my online bank statement, but there was no indication of a 'pending ' withdrawal. Usually, when I make a payment online, it shows as 'pending ' on my bank statement within a day or two. 

I contacted the company 's customer agents, and the only answer I got was, " that should be processed soon. '' A week passed, and my bank statement still showed NO 'pending ' transaction. I contacted the customer service agent again, and one of them told me that they have a NEW PAYOFF COMPANY, and it's taking longer than usual. It is XX/XX/21, and still, NO pending transaction appears on my bank statement. Meanwhile, my credit score is declining because I took another loan offering a better term. Without Loanme taking no action, my total debt has increased. Loanme doesn't help me blaming solely on the fact they have a new payoff company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process. 

As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory. 

This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
HARD MONEY LENDER AGENTS WHO ARE NOT EVEN LENDERS/BANKS ARE SHARING MY CREDIT FILE AND PERSONAL CREDIT INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER AMONG THEMSELVES. 
THERE ARE COMPANIES SUBMITTING HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
I HAVE TO KEEP FREEZE ON MY CREDIT FILE TO AVOID RUNNING MY CREDIT BY THESE AGENTS. 
THE HARDMONEY LENDER INDUSTRY NEEDS REGULATION AND MONITORING AS AGENTS WHO ARE INDIVIDUALS OBTAIN ALL PERSONAL FINANCIAL INFORMATION.

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 2015-04-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a text message from phone number XXXX threatening me with lawsuits etc for debt from American Express. I was victim of identity theft and had informed all these companies of the same. Please see below the text content. 

ATTN : XXXX XXXX, I received an order in my office today to complete the filing of lawsuit towards your American Express Card. You are currently being investigated for the same at this point of time as it's a case of debt evasion. 
I'll be verifying your current address and your employment history. In the meanwhile it's your responsibility and legal right to contact the plaintiff prior to being served by subpoena. 
The best number to reach the plaintiff would be XXXX. 
Failure to comply will result in forfeiture of your right to dispute the matter and a complaint will be filed in your local county.

Kindly consider this as a legal notice and not as a threat or warning.

Regards American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account in the past because XXXX told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. XXXX agreed and sent out an update. XXXX and XXXX updated it. But Experian is the only one who refused to update the account. I attached a letterhead from XXXX attention Experian letting them know this account should be updated and also they sent out a signal to all XXXX reporting agencies to make sure it is updated. I attached letterhead from XXXX and account information.

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 2016-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: HW Holding, 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 is not mine

Complaint:
we moved out of an apartment, we were refused walk through and billed for damages without any kind of proof, they also said we did not pay a security deposit which we have a cancelled check proving we did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have listed on my credit report XXXXwo accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success

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 2021-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2016-04-20
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is the email I sent to Sallie Mae complaining about their unfair practice : To : XXXX Good afternoon. 
Your agency took all of our tax return, a total sum of {$2000.00}, to cover for what you claim I owe in student loans ; which I have fought through letters and proving I was not liable for this payment. I truly disregard this dirty practice and request the reimbursement of my wife 's and I tax return. I do not appreciate your negligence and unfair practice to collect money I do not owe to your agency. 

I appreciate your attention to this matter. 

XXXX Trace Num : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Number : XXXX XXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Bal : {$480.00} 4. XXXX XXXX Account XXXX : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I paid my car loan on XX/XX/2022 for XXXX dollars they charged me twice second charge was on the XXXX I didnt approve this charge they have took all my money and says theres nothing they can do that I have to wait 15 days I dont have 15 days this has put me in a big bind now with XXXX XXXX to get XXXX XXXX or XXXX my kids because of a so called system issue there having Im 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX XXXX Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2016-05-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After being in an XXXX  relationship and living in a shelter for XXXX  women, I decided to rebuild my life by trying to purchase a home. I reviewed my credit only to find negative, incomplete and inaccurate reporting by Midland Funding. I have not done business with this company and so, I wrote, called and emailed them asking for information about the account being reported. When I talked to them on the phone, they stated that there is a cease and desist order on my file, so they can not give me any information or write to me or tell me what is going on with this account. However, I have an email from them indicating that I have given them permission to communicate with me through email in order for me to be able to review the account information. However, I have not received anything from them and they continue to ruin my credit. This has been ongoing for about 4 months without the company sending the information for me to sufficiently establish the payment obligation. I have not been provided with an itemized accounting detailing the transactions in the account that have led to the debt, even though I have repeatedly asked for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America has being reporting my account as " CLOSED BY GRANTOR : >UNPAID BALANCE CHARGED OFF< '' but the reporting is incorrect since I have being discharged by Chapter & Bankrupcy on XX/XX/XXXX and all by debt has being paid/remove from the discharge by UNITED STATES BANKRUPTCY COURT : SOUTHERN DISTRICT OF FLORIDA, CASE NUMBER : XXXX. 
In attach is the copy of XXXX  credit report, XXXX  credit report and XXXX  Credit report and also a letter from Bank Of America where they said the reporting has being acurated, also is attach the bankruptcy paperwork where we are discharged of any debt as of XX/XX/XXXX. 
I would like to have BANK OF AMERICA to do the correct reporting, or I will seek legal compensation for this error on a federal court

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 2015-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief