BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
when my renewal for my membership fee from american express was up, i called and cancelled my card. i have a letter from them acknowledging my cancellation .they continually charge my card that membership fee and charge me late fees.they know say i owe them about XXXX dollars all from a membership fee and late charges. i told them i dispute the charges and told them to send it to a collection agency so i can bring it to arbitration .they do nothing but continual to charge me late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the XXXX XXXX Platinum Card with a signup bonus of XXXX Membership Reward points after spending {$3000.00} before the first three months of card membership. I met the minimum spend and I was rewarded the XXXX points to my account. I wanted to use the points for an upcoming flight so I tried to transfer the points to an airline. I received this message while trying to transfer the points : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I thought to myself - okay, that is understandable, it should n't take more than a couple weeks to do the review and release my points. Well, it has been over 5 weeks and I still can not make a transfer or use any of the points. Meanwhile, I had to pay out of pocket for an upcoming flight that I was planning on using the points for. I have complied with all of their terms and conditions. I paid off the {$450.00} annual fee. I have spent much more than the minimum {$3000.00}. I have had a long history with XXXX XXXX and have never done anything to hurt it. I am perfectly okay with XXXX XXXX doing a review on my spending, however, they have given me absolutely no communication, either by phone or email, about this so called review. They will not give me any specific timeline as to when they will finish the review and release my points. That is not only bad business, but unethical and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying toward my private loan since 2009. I was falsely denied a lower payment open, even when I was unemployed. The representatives over the years have increased my payments, despite ability to pay, and refused to offer any help other than telling me to deal with the collections department. Once collections began, I was given no payment options other than forbearance, and despite my pleas for help in at least a low monthly payment, they would not accept any option other than to keep being in default or going into forbearance ( again ). I was never informed at the time of signing up for loans that my balance would continue to increase despite monthly payments and good faith attempts to pay, when full payments were not possible. My cosigner and I have been threatened with ruining our credit unless the full payments were made immediately. My balance has increased since changing to Navient by over XXXX, with no explanation or notification from Navient as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Got loans from XXXX back in XX/XX/XXXX. When I was a senior in college I applied for autopay on what I believed were my XXXX loans. Post college I got accepted in the federal loan forgiveness program for my federal loans. I called XXXX to make sure my other private loans were being paid and they were. However recently 3 private loans from got sent to XXXX by Navient. I was never made aware of these loans not getting paid as I was told by XXXX that I was covered. When I called Navient the told me they split, with XXXX and took some of my loans. I was never given a chance to pay anything on these loans before they went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I filed for Chapter XXXX bankruptcy protection in XXXX primarily for relief with XXXX private student loans serviced by XXXX XXXX ( now Navient ). I have multiple student loans with Navient. Only XXXX of the private loans were part of the bankruptcy repayment plan. As part of the plan I repaid the balance of these loans in full with 4 % interest, and did so 2 years early XXXX XXXX XXXX ). Subsequent to receiving my bankruptcy discharge I noted that the XXXX accounts which should have been paid in full were still present and had a balance. After doing some research I realized that the trustee 's payments for the bankruptcy had been directed across ALL of my loan accounts, not just the XXXX that were named in the suit. I called Navient to inquire about this and was initially instructed that there was no issue, that all accounts were in good standing and there was nothing to be concerned about. I later discovered after checking my credit score that these XXXX accounts were actively being reported as " Charge-Off '' with an outstanding balance that showed as not being repaid. I have not missed any payments since completion of my Chapter XXXX bankruptcy. I have paid these loans as directed both by the Federal Court and by Navient. I have on multiple occasions sought to resolve and correct this with Navient, but I have received no admission of error or assistance in resolving this dispute amicably. Today I was even advised by a Navient employee that it might be easier for me to just go back to my attorney and file proceedings in bankruptcy court to resolve this issue. This is actively impacting my credit score in a negative manner and is impeding my ability to put this unfortunate issue behind me. I do not see how it is my responsibility to take time away from my job, hire an attorney, and return to court when that is exactly what I did already with the original filing. I followed the terms of the repayment plan laid out in bankruptcy court, and did so faster than required. To me this amounts to continued punishment despite repayment of a debt, the very thing the bankruptcy court is supposed to let consumers avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSWORLD SYSTEMS INC
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors. 
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX. 
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. 
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection. 
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The law firm, XXXX, XXXX, XXXX XXXX XXXX XXXX obtained a judgment against me on behalf of MRC Receivables Corp in the amount of {$2400.00} in XX/XX/XXXX and made no attempt to collect for 7 years so that interest could accrue on the debt at 9 %. In XX/XX/XXXX the judge awarded them the interest and the judgment became {$4200.00}. My employer deducted bi-weekly from my wages until it was paid in full in XX/XX/XXXX They never filed a satisfaction of judgment. 7 months later, they contacted my employer claiming that because they never told them to stop sending payments, I now owe interest. Coming again with the interest makes me sure that everything they have done in connection with this case has been a deliberate attempt to inflate the original debt. There are several complaints against this company and this law firm and it is time that someone stand up and stop their deplorable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I tried to make arrangements with a the hospital to pay this debt and was told no I could not make payments then I was contacted by a third party debt collector to set up payments and then it was put on my credit as a debt. I have made arrangements for monthly payments?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a marketing email promoting XXXX Citi Thank you points for opening a citigold checking account. Terms state that I needed to complete two billpays in two month within 60 days and spend {$750.00} in debit card purchases. After initially funding the account with {$500.00}, I scheduled online bill payments that were not processed, causing a late payment to both my citi TY premier credit card and citi Aadvantage credit card for which I did not notice until receiving late payment notice via email about 3 weeks after account was opened. It was also at this time that I tried to log back online, only to discover, that the account had been blocked and that I needed the ATM card ( never received ) in order to regain online access. When I called citibank, was told that my account needed ID verification within 30 days of opening ( which I never received a request for ) and is now being processed to be closed and no atm card could be sent out to me. I attempted to stop by a local branch and the same thing was told to me. I had XXXX pre-existing citibank credit cards that are linked to the newly opened checking account, so I am not sure why citibank claims id verification is all of a sudden needed, for which I never did receive the request for. It seems to me that the marketing email was sent to me to get me to open the account, but citibank did not allow me the ability to complete the requirements of the terms in order to get the bonus points.

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 2017-10-12
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt notice for account that was last posted on credit report XXXX 2013 with XXXX balance.i believe at the time account was reported I specified I did n't know who XXXX XXXX was or what account was for. It has been off credit report for a few years now.dynamic recovery solutions is showing a balance of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I believe that I was charged or enrolled in Watch-Guard Preferred which is a wallet protection program that was previously offered by Citibank N.A . without my consent or knowledge.

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion was notified several times by XXXX XXXX that all delinquent payments are to be removed and I have a letter from them affirming such. Despite the fact that all other credit bureaus have updated their file, TransUnion continue 's to report the delinquency despite being notified with the attached letter.

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 2016-01-15
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
a credit card account was open without my knowledge. i have contacted the bank it was issued from and informed them that it is not me. i fond out about it my way of a statement in the mail. they bought men 's cloths from macy 's and location that is given on the bill is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I had a promotional balance with Best Buy. The promotion ended and I did n't know about it. I contract the XXXX number and was told it was to late and 2 months ago that they could n't help me. I was told the only way to get help was write a letter to a different department. I also found out I was n't receiving a statement paper or via email. I was told if I did receive the statements I would know of when the promotion was ending. I was however receiving a due date payment which I had thought this was my statement but it turns out it was n't. I did however completely pay off my bill minus the interest. I have now sent XXXX letters to the department they told me to contract and I have n't received anything back.

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