BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-13
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX XXXX Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Comerica checking account from XXXX XXXX, 2016 to XXXX of 2016. The branch manager is XXXX XXXX. Her phone is XXXX. Branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I need access to check images from this account for tax purposes. Comerica is trying to charge me {$5.00} per check image. There are a total of XXXX check images, which could come to {$1500.00} to access electronic documents. I 'm fine with electronic banking, which saves paper and postage, but I should be able to access my own information for some reasonable fee. Comerica 's business model seems to be based on predatory fees. ( For instance, overdrafts are assessed XXXX fees -- XXXX for {$36.00} and another for {$25.00}, making a total of {$61.00} per overdraft. They also start with the smallest overdraft rather than the largest to maximize their take. ) I 'm perfectly willing to pay some kind of reasonable fee to gain access to my account info, but {$1500.00} is ridiculous. The branch manager is much more interested in squeezing more money out of customers so she can look good on her quarterly statements than working with me to find a reasonable solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Comerica
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
For the last year or so, I have been unable to access my XXXX score as advertised by American Express. I have been told several times by customer service representatives that this matter would be resolved. However, to date, this matter still has not been resolved, despite being promised otherwise by customer service representatives, customer services managers, and customer service supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The check I deposited into Chase Bank was cleared and paid to Chase Bank but they have put a hold on the funds for 8 ( eight ) days. It was a transaction between different banks which I both had accounts with. Very puzzling why my funds are not available to me, though Chase Bank has been paid! I 've contacted them by phone and was told to wait till XXXX so they could call XXXX XXXX ( other Bank ) to verify. Still till this day have not gotten funds available to me ... ..Keep getting e-mails from them saying deposit is on Hold! 
I ca n't go into Chase Bank to make a Cash deposit to cover any possible transactions submitted to them for payment from my checking account -- checks will possibly bounce due to this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX in the evening, I called my American Express XXXX and spoke to an agent regarding making a reservation for XXXX/XXXX/XXXX at the XXXX in XXXX XXXX. I completed the reservation for a room and then called back to change to a different room after discussion with my husband. I spoke again to an agent and believe that they had scheduled and rebooked the room. I was NOT INFORMED THAT THIS WAS AN ONLINE BOOKING. I believed I was speaking to a travel agent who was actively calling and making my reservation every time I called the American Express XXXX XXXX. I made a XXXX change to this room in XXXX XXXX. Each time I requested a cancellation of my previous booking and believe that this had taken place. I was under the impression I had XXXX reservation at that point. On XXXX XXXX, XXXX, I again called the American Express XXXX XXXX to cancel and change the reservation to a cheaper room at this hotel, but told the agent I needed to confirm with my son and might again cancel this reservation. They seemed to understand. The next day, I called and cancelled the reservation for the final time. My son found a more reasonably priced hotel and insisted we stay at the hotel with him and his wife since we were traveling together in a foreign country. I can submit copies of the emails I have, XXXX of which have a cancellation number on the email. The agent I spoke to had not cancelled any of these reservations " on line '' - I had no idea till I accessed an email after the date. I have opened XXXX investigations and the XXXX continues to say that I am responsible, that I should have known it was on line, that I needed to provide the confirmation number, which I thought was available for the agent to see when I called in. I was never told this prior or during my call with the agent. I have continued to maintain that this was the company 's error and the XXXX XXXX has continued to maintain it was my responsibility. When researching this ( after the fact ) online in XXXX XXXX, I found XXXX complaints against American Express XXXX on the Consumer Affairs website that tells me that my problem is very similar to a number of the credit card members. I felt this was a reputable credit card company and had no idea that I would be treated this way until this happened. I believe that American Express XXXX should have provided written and oral instructions that clearly communicate how this reservation and cancellation process works. If my Consumer Finance complaint does not resolve this for me, I truly hope that it will be able to prevent the kinds of credit card abuse that is represented in my experience and that of the other XXXX individuals who have complaints against AMEX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my Credit Card to XXXX in XXXX of XXXX. The credit limit that I had was {$500.00} and I paid the full {$500.00} and it was accepted. Recently, Midland Funding reported on my Credit Report that I owed {$830.00}. I sent them proof that I did not owe this amount and they removed the {$500.00}. Now they are reporting {$330.00} that I owe them. They last reported this XXXX XXXX. I have repeatedly sent proof to XXXX all XXXX credit bureaus and XXXX and Midland Funding without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Today I received an email stating that my credit card company, American Express, did not receive my payment and was charged {$37.00} fee. I knew for a fact that I paid it because I have set my bank account to automatically send on the XXXX of each month. This had happened before and they tried to raise my rate to something crazy like 25 %. I thought I had messed up, but looking back I did not and I indeed made a payment. I paid ahead so I knew that when my payment was due on the XXXX of each month that my payment from my bank account would get there in plenty of time. 

I called today and spoke with a representative and yes, I did make 2 payments. I made one on XXXX XXXX that paid XXXX XXXX 's payment and I did pay again on XXXX XXXX to pay the XXXX XXXX payment. When speaking to the rep, she informed me that the XXXX XXXX payment did n't count toward my XXXX payment ( even though the XXXX payment had been made ) because I would have to make it in the month of XXXX to count and I just paid extra in XXXX. This is ridiculous! No other card I have punishes you for making a payment early and tells you that you did n't make your payment and charges you at {$37.00} fee. If I pay early, then a lot of times I do n't show a minimum payment for the next month. My mim payment is XXXX and I am paying XXXX and they are charging a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Marriott rewards business card from Chase bank because they offered XXXX points as a sign up bonus. In the fine print it stated that the bonus would not be given if I had had this card in last 24 months. I assumed that if I had this card in the last 24 months my application would be denied but it was approved so I thought I would be getting the bonus. XXXX-8 weeks later after I had already spent XXXX dollars to get the bonus they told me I had did not qualify for the bonus. Chase should make it more clear in the application that someone could receive the card but not the bonus and they should tell the consumer right away not 6 weeks later. I feel like I signed up for XXXX credit card product with certain benefits and was given another product with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a unsubsidized Stafford loan from college of {$7500.00} that I did not receive any communication about for nearly six years while I was in XXXX XXXX. Then I get a letter in the mail after six years of no communication stating that I owed Nelnet an extra {$3500.00} in loan interest. Had I been reminded of my loan status or amount of loan interest, I would have begun repayment earlier and not incurred as much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I purchased airline tickets using American Express Gold Card, co-branded XXXX XXXX. The website says I would get XXXX points ( Membership rewards ). https : //www.americanexpress.comXXXX Then I noticed I only got credited for XXXX instead of XXXX. I called American Express and they said it was because I have the " XXXX XXXX Card '' not the normal Gold Card. I asked where on the website it said this, and they could not provide any information. The agent said that that information is in the cardholder agreement. So after I got off the phone, I downloaded the cardholder agreement, and it does n't mention Membership Rewards AT ALL. So at this point, I got bad information from the website, followed by bad information from a customer service representative! 

It is of course possible that I was mailed something in the past describing this, but I do n't recall it. I think it is deceptive to have one thing on the website, and then do another, and I also think that card companies should be required to make the details of these point programs available to cardholders online. 

I love American Express as a company, and if the agent had offered to take this up the chain vs. contact CFPB, I would have done that -- I told him that I was going to download the agreement, and look, and if the information was n't there, would contact CFPB. I asked him whether he was certain the information was there on the points accumulation -- he said yes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity Bank ( XXXX XXXX ). I have been charged late fees multiple times, even though I paid my bill on time. I am tired of Comenity Banks shyster business practices and decided to close my account. 
So I paid my balance online. Confirmed a {$0.00} balance. Made a phone call to Comenity, requested that the XXXX be closed ( you have to call them directly to close the account? ) So I sent screen shots of the XXXX balance and website comments to Comenity. Comenity sent a letter stating that I owe them {$90.00} even after I sent a screen shot of the XXXX balance.

Company response to consumer: Closed with monetary relief