davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (CA)

On  XXXX  .17 I ag reed to a purchase in the total amount of {$2500.00} from  XXXX   XXXX . I also took advantage of their advertised  12 mo  same as cash promotion.    Late  XXXX /early  XXXX   I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from  XXXX   XXXX  was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card.   I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to  XXXX   XXXX . I was told I would receive my documentation in the mail within a week. On  XXXX  .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac     agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit.   I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections.   I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice.   I want to note that   XXXX    XXXX  was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

I currently have a home equity loan wit h BBVA Compass. Rec ently, a leak in shower pipes caused a great deal of damage for which I 've filed an insurance claim with  XXXX   XXXX .  XXXX  has been great to provide payment for me to get my home repaired. I walked in to BBVA Compass t o deposit a check from  XXXX  to get the work done on my home. The branc h manager explained  they were not able to take the check at the branch. I had to sub mit a Hazard Insurance Claim Disbursement Request F orm and send paperwork, along with the check, into the bank. I 've had to pay for the repairs myself while waiting for the checks, already approved by insurance, to be deposited into my account. Currently, I 'm out a little over {$12000.00} and have been forced to take money out of savings to pay bills. The process, according to BBVA  Compass, takes 2 weeks to get funds into an account if you have a Home Equity Loan with  the institution. Two weeks ...?? to process a check from a large, reputable insurance company? I wonde r if BBVA Compass is ca shing the checks and reaping the rewards of interest on my funds? {$12000.00} is not a great deal of money for a financial institution to try and scam, but if all of their other customers are having to deal with the same situation, it could probably add up very quickly.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TN)

I have received a letter from Diversified Consultants on XXXX/XXXX/2016. I responded to the letter on XXXX/XXXX/2016 with a delivery confirmation date of XXXX/XXXX/2016. I have sent the collection agency ( Diversified Consultants ) multiple letters via XXXX certified mail, stating that this was not a valid debt, and requested all information related to the alleged debt. But, I have not received any correspondence from them. Also the collection company is in direct violation of the FDCPA ; they have reported inaccurate and incomplete and non-validated information on my credit report to ( XXXX, XXXX, & XXXX ). Its very frustrating that someone can willfully ignore your request, and damage your credit.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I defaulted in my mortgage payment for some circumstances beyond my control. However, In XXXX XXXX, I requested for loan modification. Bank of America sent me the package which I completed, faxed them back and equally fedex original copies. They acknowledged that they received them. But since XXXX XXXX until today XXXX XXXX, XXXX, they have not made a decision on my case. In fact, they have continuously requested for the same very documents that I sent them from and by different department and from different locations. They do not return calls, and each time I called, it appears that I am starting a new process. No one seems to know anything about my account and loan modification application. Now to the extent that my property was foreclosed by the third party trustee behind my back. No procedural service notice was sent to me. When I found out and filed for the foreclosure to be vacated, the third party attorney in few words stated " we served them and that is all the law requires. '' But the law also requires that they verify the identity of the parties representing the debtor. That they did not do. Now, while Bank of America claims they are working to modify my loan, the third party law firm is busy foreclosing my property, which appears there is no communication between Bank of America and XXXX XXXX XXXX law firm. As it is now, my property is at the verge of been sold to foreclosure, unless there is an intervention. Please I need some help.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Fidelity National Information Services, Inc. (FNIS) (KS)

At XXXX XXXX CST on XX/XX/18 I received a call from a man who said he was with CSG. I asked him what CSG what that was and he said our office in XXXX, Georgia. He said he was calling me in regards to a file he had in his office and he was wanting to resolve it before they proceeded with further legal actions against me both criminal and civil. he never once identified himself as a debt collector or advised any information would be used for that purpose. He went on to say that he was representing Certegy and that they had three debts I needed to pay. The amounts he gave me were {$380.00}, {$250.00} and the other he trailed off on. He said he wanted to provide me the chance to resolve these before they proceeded against me. I have previously spoken to Certegy and the balances are no where near this. I advised him that he was incorrect and he got verbally pushy. I told him he was violating my rights and hung up on him.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY (NM)

I applied for  an American Express Personal loan  on Sat.  XXXX   XXXX  It was approved. But it has not been funded yet. I have called several times to find out the issue. They only thing they will tell me is that my loan is i n IT a nd they are having issues. They dont say " what kinds of issues '' just issues. No one will help or give me answers. I have not asked to have the loan cancelled since they do n't know how to resolve this issue. They wo n't fix it or cancel it ... ... I am in limbo.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

XXXX XXXX XXXX contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

They offered me a payment program on Monday where I would have 3 months of reduced payments and reduced interest I needed to call back with a debit card. When I called back they said they couldnt do it and instead made my only option to use my remaining forebearance to get up to date. 

This constitutes falsely stealing me to use my forebearance instead of offering me a reduced payment plan.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (SC)

This is the most insensitive, aggressive, and rigid collections company I have ever dealt with. To start, I NEVER got any written notification of this debt. A lady called me in XX/XX/2018 while I was in XXXX - in the hospital - and I told her I could not deal with the collection at the moment due to being in XXXX but I would call back later that day or the following day to pay as I didn't have my wallet. She said that wasn't her concern, if I didn't settle the debt right that second she would report it to the credit agencies and note refusal to pay on my account. Her language was unacceptable during this call, she was loud, aggressive, threatening, and unwilling to work with me even as I said I would pay it within 24 hour period. I was in XXXX XXXX   and thankfully it stopped and I was discharged so I called back to arrange payment that following day. Again, she was beyond rude and I requested that it not be reported to the credit agencies since I was paying it as soon as it came to my attention, she agreed but it came up on my report a few weeks later. I have since disputed this several times with Procollect refusing to take down the report. When calling them, they refuse to allow you to speak to a supervisor and frequently hang up on you. They are always aggressive and yelling - absolutely no way to treat someone who is willing and trying to settle a debt. It is impossible to know who is really in charge but every single person is insensitive to my MEDICAL situation or the fact that they are on record stating it would not go to collections. They are threatening and dishonest and overall extremely rude to their customers. My account total was under {$350.00} and I shouldn't be treated this way for doing the right thing and paying off a debt that I wasn't made aware of until it was in the hands of these bullies.
Consumer complaint received 2016-08-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (MO)

I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.
Consumer complaint received 2016-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

About 1 year ago I when thru a XXXX many things were going bad with my kids XXXX, XXXX all kind of situations took me about 6 months to put myself back up and I try really hard to cut up on many thing that I left behind. 
the most important thing I ever have its my house I want to please have another chance on keep it I have a lot of documents that can prove my willingness on doing so but I also think that bank of America did not help me and because of that I felt for a scam witch I trust for this company they suppose to help me with my loan modification. 
please review my loan again, my house was in a loan review and little be after I was decline for any help they foreclose the house, until this day the house is not for sale or by a 3rd party, bank of America owns the house.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.