davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (ID)

My credit card through American Express is currently set up for automatic monthly payments. The payment is set to be my full statement balance on the due date every month ( the XXXX ). There have been no issues for five months, until this month 's payment. 

This month 's automatic payment was paid exactly one day late. No settings were changed, and the bank account connected to the account has well over fifteen times the amount of the bill. Seeing as the payments historically transacted on time every month, and the next automatic payment is set to be paid on time, without any change of settings, I 'm inclined to believe that American Express deliberately postponed my automatic payment in order to collect their {$27.00} late fee. Especially because they make little revenue from customers like me that pay everything in full on time, thus avoiding credit card interest. 

I have done absolutely nothing to warrant my automatic payment to be LATE, and yet I 'm charged a late fee and both myself and my wife ( authorized user ) will suffer from the negative impact this will leave on our credit scores, forever affecting our credit health.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation (CA)

On XX/XX/XXXX, XXXX XXXX called and tried to tell me that I needed to tell her my Social Security number and to go over my assets with her. First of all, I have never heard of her or her company Global Credit Collections in my life. I DO NOT NOR WILL I EVER HAVE A CONTRACT OR ACCOUNT WITH THESE LAND SHARKS, or the company DISTRESSED XXXX XXXX XXXX XXXX..How a  complete stranger can call and insist on these things, I have no idea. 
I told her I do not give out this information to people who call me. She then told me to call her back so she would know who she was! REALLY???? 
I told her I was working and couldn't take calls at work and hung up. 
On XXXX, she called my office number and was disconnected. She called me on the XXXX on my private line, while I was at work, after being asked not to. On XXXX she called my office line again and was disconnected. I called her right back, told her who I was and asked her if she just called me and she said ''YES ''. 
When I told her not to call me at work, she DEMANDED me to verify who I was ... ..um yes, already did that and she admitted she called me. Lets check the recordings. 
XXXX was the last straw, when she called me and HUNG UP!!!!. I am sorry, but I don't HAVE TIME FOR GAMES.I called her back and told her not to call me at work, to which she replied, we work during work hours, when am I supposed to call????? OMG!
Consumer complaint received 2015-08-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

Chase credit card balance transfer : I have been a Chase credit card customer since 2014, and have a history with the Bank of paying the balance in full each month. On XX/XX/XXXX, I initiated a balance transfer for {$410.00} and was changed a balance transfer fee of {$16.00} in order not to be changed interest for the next twelve months on the balance transferred. The first payment was made without an issue. 

Then on XXXX XXXX, I made a purchase of {$23.00}. That month the mobile app was not clear how much to pay in order to avoid interest charges on the purchase, so I made the minimum payment. On XXXX XXXX, I was changed interest@ 24.99 % - more than twice the amount charged on the card that I originally transferred from- on the unpaid balance of the purchase. I complained and Chase reversed the charge. Then next month I paid more than the minimum balance, thinking I was paying for the purchase. 

On XXXX XXXX, I was charged interest, again. Once again I called Chase to complain. This time the representative told me she would reverse the interest charge, and if I pay {$58.00} that will cover my minimum payment on the installment and the purchase amount so that I will no longer be charged interest. I made that payment on XXXX XXXX. 

On XXXX XXXX, I was once again charged interest. I call Chase on XXXX XXXX to request the charge be reversed. The representative told me the system would not allow her to reverse the charge. I requested a manager. The manager told me that other customers find it confusing regarding the amount to pay to avoid incurring interest charges on new purchases. Finally, she reversed the charge and told me I will not incur any more interest charges as long as I do not use the card for new purchases and continue to make minimum payments on time. 

This is resolved for now. I am complaining because the manager stated Chase is aware of the confusing billing but instead of enhancing the billing statement to make it clear the balance that needs to be paid to avoid interest charges on new purchases during the promotional period, the Bank continues to create misleading billing statements.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MA)

On XXXX/XXXX/16 I applied for American Express Platinum card with promotional offer of receiving XXXX MR points after spending {$3000.00} or more using the card within 3 months. I fulfilled the requirements and received XXXX MR points totaling XXXX points on my account. On XXXX/XXXX/16 the XXXX points disappeared from my account. On XXXX/XXXX/16 I have call the customer service, talked to XXXX and been told the account is under review and will receive explanation letter or call from American Express within few days. As of today I did not received any correspondence at all. 
Please investigation this issue and let me know. 
XXXX XXXX
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

My bank card has been used by this remittance company Remitly and the amount XXXX XXXX} was taken out of my bank account. I rang them but they just ignore my call as Im not the owner of the account where my money was taken out today XXXX XX/XX/2019 at XXXX XXXX   time. I rang my bank in order to block any further transactions of this company. I have my proof of the banking transaction that they have taken my money out and that the sender has different name on their remittances details.
Consumer complaint received 2015-04-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Resurgent Capital Services L.P. (CA)

My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. XXXX XXXX XXXX letter was Returned undelivered, no response from the other XXXX companies. Yet, these companies are still reporting negative information to all XXXX of my credit reports ( XXXX, XXXX, XXXX ) ; under XXXX different names ( XXXX XXXX XXXX {$140.00}, charge-off ; LVNV Funding LLC, {$6500.00} ; XXXX XXXX XXXX {$2600.00} ) and charges.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

The company LAW OFFICES OF HAYT HAYT & LANDAU have been harassing me nonstop with phone calls and have also been harassing family members and giving out confidential information regarding my accounts.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (RI)

I checked my report and noticed 2 account that are not mine. 1 ) XXXX XXXX and 2 ) XXXX XXXX XXXX. I also noticed On Experian 37 inquiries that i did not give permission for any of them companies to request my credit report. Also XXXX has 10 inquiries in which i did not give the companies to request my report and XXXX 5 companies. 
XXXX. 
1 ) XXXX XX/XX/2019 2 ) XXXX XX/XX/2019 3 ) XXXX XX/XX/XXXX, XXXX XX/XX/2019 5 ) XXXX XXXX XXXX XX/XX/2019 6 ) XXXX XXXX XX/XX/2019 7 ) XXXX XXXX XX/XX/2019 8 )  XXXX XX/XX/2019 9 ) XXXX XX/XX/2019 10 ) XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX All 37 inquiries
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I did an Voluntary Return of Merchandise to CONN 's on  XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX  and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. XXXX XXXX  was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX resurgent capital services XXXX XXXX XXXX XXXX sold account to XXXX XXXX, Resurgent Capital Services. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no Resurgent Capital Services the situation on three separate correspondences.

I am collection proof. I am XXXX/XXXX/XXXX. My husband passed away in XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (AL)

We closed on our home XX/XX/XXXX. I was notified by XXXX XXXX of Academy Mortgage one hour before closing that my interest rate was higher than what we had agreed upon in XX/XX/XXXX. It was 4.25 % instead of 3.5 % from the Good Faith Estimate. She told me not to worry because she was handing me an envelope of {$400.00} cash at closing that would cover the difference for 6 months, and then she could refinance us at the end of 6 months. The cash did not cover 6 months of the higher payment. I contacted her 6 months later, and she said the rates were higher, and she was not able to lower our rates. I contacted an attorney in XX/XX/XXXX. This was supposed to filed in the court system, but the attorney has stopped communicating with me after he told me that her attorney was one of his good friends. The higher interest rate costs us {$170.00} a month more on our mortgage than what we originally had agreed upon. That is {$61000.00} over the course of the mortgage. 

I have emails and text messages between XXXX and I that I can forward.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX