BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: Financial Credit Service, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in the late XXXX my daughter and myself, agreed to help her then boyfriend out in need of a vehicle so I co-signed a loan for a motorcycle. Her then boyfriend at the time which we did not know of had a criminal record for larceny, stealing, scamming, etc. He was formally charged and taken to court by us and others he had scammed. Regardless I was left with the loan. Originally the loan was through XXXX XXXX Bank. That bank is no longer around and my loan was fully paid, however at the time of my loan being finished, they also had been bought out and no paperwork was ever given to me. Also, please keep in mind records are not kept they way they are today electronically. XXXX XXXX Bank is now defunct and several times changed name, etc. My complaint is with Assest Recovery Services, based out of Illinois, with a XXXX XXXX XXXX This is some fly by night company who purchase lists, bad dept loans, list of names etc, defunct loans for pennies on the dollar and use strong arm tactics to scare people into to thinking they owe money when they do not! They also go by other entities such as XXXX where some angry female calls to let you know you need to lawyer up and they will come after you since they state you meaning me has a criminal record! I will provide the list of names and promises this so called company promised. Once payment was made the final paper work and title would be released. That never happend. They had pertinent info from the original loan with XXXX XXXX but only enough to look legitmate. Here is the following information on Asset Recovery Associates or now XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; Phone # XXXX, FAX XXXX ; XXXX XXXX Account Number they are using ; XXXX ; Balance {$3500.00} and the newly Assest Recovery Associates ARA # XXXX ; settlement {$800.00} ; Collection Manager XXXX XXXX. Who everytime I call back to get a hold of him he is always conveniently busy, in a meeting, in the bathroom, on vacation, basically never there! His so called manager is XXXX XXXX. They have a website that does nothing. I have also filed a police report with my local office in XXXX, MI. The officer took it upon himself to also call Asset Recovery Associates identify himself and they conveniently hung up on him! They now are calling back stating they are XXXX and some very angry female proceeds to make threats and once again some fake case number!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Back in XXXX 2016 I purchased a new vehicle ( XXXX XXXX ) from XXXX XXXX in XXXX FL. I do n't purchase vehicles on a regular basis so I, like most other consumers are not aware of the car business. The dealer ENCOURAGED me to take a savings in the form of a lease. However, they never told me that I could not sell the vehicle, trade the vehicle or refinance the vehicle when the vehicle is leased. I was under the impression that I had the same flexibility as if the vehicle was financed via traditional means. 
I was greatly surprised when I attempted to refinance my truck only to be told I could not because it was a lease. I was also surprised when I attempted to trade my truck and was told I could not unless I paid the dealer {$13000.00} to take the truck. I think car dealerships should be required to inform customers of these facts instead of leading customers to believe something else just so they ( dealerships ) can meet a sales quota. There should be some law to protect the consumers from dealer price gouging. 
I would like to have my truck financed traditionally so I will have the flexibility to sell, trade, or refinance if I so desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I HAVE SAVING, CHECKING, DEBIT CARD, CREDITCARD AT THE HSBC IN CALIFORNIA BRUNCH. 
1-I CAN NOT USE MY ACOOUNT PROPERLY ON INTERNET BANKING WITH BIIL PAYMENT, BANK TO BANK TRANSFER, WIRE TRANSFER.DATA BASE PROGRAM INCOMPLETE, EACH TIME I REPORTED THE ON MY ACCOUNT WITH HSBC EMAIL SYSTEM .ALSO CHAT ROOM SUPPORT. HSBC STOP RECORDING CUSTOMER PROBLEMS ON EMAIL SYSTEM. 
2-MY DEBIT CARD IS NOT FUNCTION ON MY ACCOUNT WITDROW MONEY AT ATM ON INTERNATIONAL BANKING XXXX XXXX.BECAUSE HSBC DOES NOT HAVE INTERNATIONAL BANKING IN XXXX. I HAVE TRAVELED HERE IN XXXX FOUR DAYS WITHOUT MONEY WITH HSBC. 
I CONTACTED HSBC CUSTOMER INTERNATIONAL SUPORT GROUP NY, XXXX, XXXX .I REPORTED ALL THESE PROBLEMS WITH PIN, CARDS PROBLEM AND SO MANY CHECKING TO DO WITH CUSTOMER SUPPORT .THEY ALL HIDE THE PROBLEMS OR THEY HAVE NO INFORMATION TO TELL ME AS CUSTOMER DIRECT. 
HSBC HAS VERY BIG PROBLEMS AND UNFAIR DEALING WITH AS CUSTOMER. 
ILLEGAL HOLDING MY BANK ACCOUNT AND I CAN NOT TO USE MY MONEY. 
I HAVE NOT BEEN TREATED FAIRLY.HSBC BANK IS VIOLATING BANKING REGULATION AND CONSUMER PROTECTIONA LAW. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a XXXX card on XX/XX/2016. The advertising for this card promised " apply by XX/XX/2016 to get 10 % back when you use the Card at XXXX XXXX in XX/XX/XXXX, up to {$200.00}. '' I have not been receiving this benefit as promised despite a total of {$490.00} in payments to my wireless telephone service provider, XXXX ( listed in billing as " XXXX '' ). I called American Express customer service on XX/XX/2016 to inform them of this error on their part ; the agent I spoke with verified that I was eligible for the bonus, did not know why I was not receiving the benefit and they said they would " open a case '' and that this would be investigated. I called again approximately 4 weeks later and was told that there was still an " open case '' and that this was still " being investigated. '' I am extremely upset that I was promised a benefit ( which was the main reason I opened the card ) and that your company is not fulfilling it as promised, despite promises it was being investigated and my patiently waiting more than a month and a half for a resolution. I do n't appreciate being blown off like this. It 's time for your company to do as promised and provide me the 10 % back on my wireless telephone payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Since XXXX 2015, I have repeatedly tried to get a dispute started for a charge XXXX put on my American Express Serve card for approximately {$94.00}, because these were cable wires, AND LITERALLY, NOT ONE OF THESE WIRES OR ANYTHING ELSE I MIGHT HAVE RECEIVED WORKS! I HAVE REPEATEDLY CALLED SERVE, AND NO MATTER HOW MANY TIMES I CALL TO START A DISPUTE, I 'M TOLD ALL KINDS OF XXXX ABOUT WHY THE CHARGE CA N'T BE DISPUTED - WHICH IS B.S!!! IN THE BEGINNING, I DID GET A DISPUTE FORM IN MY EMAIL ; THEN, 3 DAYS LATER, SERVE WROTE ME AND SAID IT WAS CLOSING THE CASE, BECAUSE " I FAILED TO RESPOND!! '' SINCE THEN, I HAVE ENCOUNTERED NOTHING BUT EXCUSES AND HEADACHES IN TRYING TO START A DISPUTE! THIS IS WHY I AM WRITING. I WANT MY XXXX MONEY BACK AND I WANT IT NOW!!! PLEASE ASSISTS ME IN THE RETURN OF THE {$94.00} APPROXIMATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Arbitration

Complaint:
I had been calling Amex for months to say that a charge ( {$5.00} ) was being billed every month by a company that I did n't recognize. Every month, they would say that they would credit me the funds and the vendor would be blocked from charging further. Every month, I would need to call back. This morning, I called to try to resolve the issue once and for all. I spoke to 17 people from the XXXX to XXXX to XXXX. As always, their front line personnel had made an error and no one has been willing to resolve the issue. I made 47 attempts today alone and I was either disconnected or told that there was nothing they could do. They claim that they do n't keep notes from previous conversations. Basically, they are blackmailing me - I must pay my bill in full, but there is no room to discuss the fact that there was a huge error with my account. The agent cancelled my card after she specifically told me that she would n't and refused to provide a replacement card. Her comment was that " I should n't have complained about a {$5.00} charge if I did n't want to be inconvenienced. '' It ca n't be that they can bill you for anything and everything, you have no right to dispute and then if you do n't pay your bill, they ruin your credit. This is a distinct pattern with Amex - all calls go overseas, the front-line personnel are not professional, do n't understand what you are saying, continually make mistakes and provide customers with erroneous information and then a customer has no where to go to lodge a legitimate grievance or complain. I have also tried going on-line with a customer service agent. The response was that " they could n't assist me - I should call! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express Platinum card with a XXXX point welcome bonus. The card has a {$450.00} annual fee. I met the requirements for the offer with {$3000.00} of spending in the first three months of opening the account and had the points posted to my membership rewards account. American express put a hold on my rewards account and I immediately stopped spending on my cards with the idea that I should not use the card until the issue was resolved. American Express took back the XXXX points that posted to my account after the three months had ended. They factored an airline fee credit into their calculations and determined that I had come short by {$2.00} to meet the minimum spend. They rendered this decision after the period had passed under which I could have canceled the account and received a refund for my annual fee of {$450.00}. American Express was never transparent throughout this process, never indicated that I needed to do additional spending on the card *after* I had met the terms and conditions and kept me in the dark until after I was ineligible for a refund. Had I known this issue was not going to be resolved ( I was specifically told on the phone that they would give me the XXXX points back because the fee credit was a computer error ), I would have canceled my account for a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have XXXX jobs where I work part time XXXX. I have went into work with a message that MCM company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( MCM company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have to choose XXXX of the XXXX options given in the form at CFPB to describe my issue, but I am not sure my issue matched any of them well, since my issue is related to a time-barred debt as described below. 

Midland Funding LLC ( " Midland '' ) is deceptively collecting or attempting to collect from me a time-barred debt through arbitration at the XXXX XXXX XXXX ( " XXXX '' ), and thus violates the consent order issued by CFPB on XXXX XXXX 2015 against Midland ( and a few other debt collectors, defined together as " Encore '' in the consent order ). 

On or about XXXX XXXX 2015, Midland via its attorney filed to XXXX a counterclaim against me in connection with collecting or attempting to collect from me a credit card debt. This alleged credit card account is a " debt '' as defined in the consent order issued by CFPB against Midland on XXXX XXXX 2015. I, as a natural person allegedly obliged to pay this debt, is a " consumer '' as defined in this CFPB consent order. Midland is a " debt collector '' as defined in the CFPB consent order. The alleged debt is beyond the applicable statute of limitations. Midland 's conduct violates the consent order about prohibition against deceptively collecting time-barred debt through litigation or arbitration ( Paragraph XXXX in the consent order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment at the XXXX apartments at XXXX XXXX XXXX . XXXX and moved out of the premises in XXXX of XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called IQ Data International Inc. On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XXXX/XXXX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation