BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I sent the notice below to XXXX : I have received a notification from the credit reporting agencies of a collection account related to fees associated with the apartment inspection I rented between XX/XX/XXXX and XX/XX/XXXX. The letter you sent related to the inspection stated that we had 30 days to respond your request ; we reached out to you via phone several times and were told that somebody from your office would contact us to go over items we were disputing. We never received a call from your office, even after follow up calls. 

I would like to get this matter settle and the collection item remove from the reporting agencies while avoiding legal procedures. If I do n't hear your office within 30 days from XX/XX/XXXX, I will file the necessary court documents to dispute the charges and have my credit report clean. You ( XXXX ) will be responsible for any legal fees including, but not limited to court filing documents and attorney expenses should I hire one to represent me. 

I can be reached at XXXX with any questions you may have. 

Thank you. 


XXXX Further, I contacted the XXXX XXXX hired by XXXX : Hunter Warfield, Inc.-XXXX, XXXX, FL XXXX - Sent them a letter on XX/XX/XXXX requesting validation and to dispute the debt and they have not contacted me as of XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and XXXX never updated that my auto loan was paid off and I had to dispute it and XXXX took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but XXXX still showed the false reported amount from XXXX XXXX XXXX and XXXX had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that credit acceptance is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right

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 2016-02-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I recently attempted to receive a prescription for saizen hgh from a website that I had not done business with before XXXX I agreed to use moneygram to send {$300.00} to a clinic in XXXX. I was n't completely unaware of the risk of such a transaction, but due to FDA 's recent pressure on credit card companies to stop processing transactions for medicinal products, I found myself feeling like I had no choice but to attempt to do business this way. I wired the {$300.00} on XXXX XXXX, 2016. The salesperson I spoke to on the phone ( XXXX, phone number XXXX ) assured me that he would contact me the next day and provide a tracking number for a package that would be sent overnight delivery. Since the money was sent, all of my attempts at communications have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
XXXX is a credit card from American Express created in conjunction with XXXX.I had my back pay from XXXX XXXX deposited on this card.They currently have XXXX of my back pay money held captive and wo n't release it to me.They XXXX froze it because of a spending limit being reached.So I asked to have the balance wired into my bank account, but they said they could n't do it.So, I asked if they could wire it through XXXX XXXX ; they said they could n't do that.So, I asked if they could mail it to me, they said yes, but I have n't received it yet.it 's been a few days short of a month since their promise to mail it.They keep giving me XXXX story after another.It seems to be just XXXX lie after another.I just want my money.Neither my wife or I work.We desperately need this money to pay bills and to take care of our kids.Can you please help us get our money from American Express or XXXX XXXX ; or whomever has a hold on our money.This has been going on now for over a month now.I call customer service, they put me on hold, and they come back a few minutes later with fake promises to get me my money.They claim to have put a trace on the check that they suppose to have mailed on the XX/XX/XXXX.I have n't gotten any feedback on that trace yet.They just keep telling me whatever sounds good to string me along further and further.So, I 'm currently pursuing legal action because I do n't know what else to do.I 've given them ample time to release my funds but they wo n't. If you can help me, please do.My family and I would greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XX/XX/XXXX Called American Express ( AMEX ) to cancel credit card. Was told to destroy cards. In subsequent phone conversations Amex claims no evidence of cancellation on this date. At this point our account balance was the annual fee of {$95.00}, due XX/XX/XXXX. 
XX/XX/XXXX Called AMEX again to enquire how to handle the current billing, an item that was not covered the previous day. Representative " XXXX '' advised not to pay current billing and that next billing would prorate the annual fee and the total billing would be $ XXXX {$8.00} ( XXXX ). 
XX/XX/XXXX Received another billing from AMEX. Included in bill was {$35.00} late fee. Called Amex again. " XXXX '' said I should call back in 3-5 business days. 
XX/XX/XXXX Again called AMEX, this time speaking with " XXXX ''. He stated the account showed a balance of $ XXXX {$8.00} and would show on the next statement. 

XX/XX/XXXX Another statement, another late fee. The balance is now {$150.00}. Called AMEX again in attempt to stop the same old runaround. " XXXX '' of AMEX stated the previous representatives had no authority to prorate the annual fee and that I had cancelled the card not on XX/XX/XXXX but on XX/XX/XXXX. She said she would check it out and get back to me in about XXXX business days. 
XX/XX/XXXX Fifteen business days after XX/XX/XXXX and have not heard back from Amex or " XXXX ''. Too, I have not contacted AMEX again. Sent complaint form to MN Attorney General, Consumer Services Division. 
XX/XX/XXXX Received another statement. Balance showing is now {$190.00}. 

Additional information : On XX/XX/XXXX XXXX submitted a charge to AMEX by me in the amount of {$18.00}. It is my opinion that this is a charge that AMEX should not have honored had they canceled the card on XXXX as requested, the date we were told to destroy our cards. The charge was subsequently credited back to my account on XX/XX/XXXX because the item was returned to XXXX. While I fully admit I had forgotten to inform XXXX the card had been canceled I charged the merchandise using XXXX 's 1-Click procedure. Therefore I would readily agree to the $ XXXX {$8.00} prorated AMEX annual charge. 

Attached : Copy of latest statement with closing date XX/XX/XXXX. 


I believe AMEX has internal problems with their customer service and should honor their verbal commitments of the $ XXXX {$8.00} charge and to rescind or cancel any items of delinquencies submitted to any credit service agencies or companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called and requested additional information to validate the account that is on my credit report. I told MCM that they keep sending credit card statements and that does not tell me anything saying it 's my account. I request MCM to send me something with my signature indicating that i signed for the alleged debt and they told me the only thing they received when the purchased the debt is a credit card statement. I was also told by the rep that by law they dont have to send me any additional information to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
when I checked my credit I found that Asset Acceptance Corp had placed a collection on my XXXX credit report I never received notice of this of any kind this is against the law and I will take legal action against this company if this is not removed from my XXXX report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years.
XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements.
Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently had a horrible experience with American Express. I went to the XXXX Rewards site to book a hotel. Off to the right was an offer to recieve XXXX off the stay if I apply for an American Express card. So I apply, it goes thru and I try to book my room. I find out I do not have the number for the card or any information to reserve the room. I call customer service, they ca n't help me. I go online to get the information from the account site and they can not help me. So where am I supposed to get this XXXX for applying for the card. I spent an hour on the phone with AMEX and XXXX Rewards. In the end I just cancelled the card. No one needs this false advertisement or hassle. I 'm to the point I will highly recommend our company stop using the corporate cards we have. Why advertise something you are not going to deliver on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a credit card offer. The first page had XXXX lines ( I 've marked those on the attachment ) with numbers indicating footnotes, but there were no corresponding footnotes. The bottom of the first page, the one with all the offer language, stated " Please see page XXXX of insert for Additional Disclosures '' but I could find no additional information or further limitations on their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Midland Funding is reporting an account that was closed in XX/XX/XXXX by XXXX as a Opening date of XX/XX/XXXX and XX/XX/XXXX, which means that this debt will remain on my credit for until XX/XX/XXXX b/c it reflects the account being 1yr and 1 mo old. This is a incorrect date b/c XXXX closed it in XX/XX/XXXX and it should start from that date. I disputed this account thinking that someone stole my information b/c of the dates that were reported as being " opened ''. When I called XXXX XXXX they were unable to find these accounts by my ssn. After doing some digging in their systems they confirmed that it was sold to Midland but it should not show up as a opening date of XX/XX/XXXX and XX/XX/XXXX. The lady submitted a dispute with their credit department to have it removed. After doing my investigation midland is re-ageing this account and which they cant do that by law. I called Midland and the rep stated that the date of XX/XX/XXXX and XX/XX/XXXX should not be showing as an opening date on my credit and it should be converted back to the date in which it was closed by XXXX. I explained to her and read what was on my credit report. She said she would document the account b/c its already in a dispute status b/c this is the 2nd time I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a corporate bank account with Citibank. Citibank has sent me an email in which it is asking for my confidential information ( personal financial details, date of birth, country of citizenship ) to be submitted to Citibank via email. I have no issue with providing this information. However, Citibank should know that it is not safe to provide this information over email. Such information should be submitted only via a secure website. Citibank should not encourage consumers to send confidential information over email as it is widely known that this is not secure.

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 2016-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a loan modification on XXXX. I was told to apply and had to reapply my application 4 times the same application for one purpose a mortgage a modification. After 5 months I have received a letter from Chase Bank Mortgage servicer dated XX/XX/XXXX stating that I denied. I need detailed information for the reason my application for loan modification was denied for. Now I 'm facing Foreclosure on my home I 've lived in for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: CITIBANK, N.A.
State: WI
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.

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 2015-05-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
American Express charged me a {$3.00} XXXX processing fee for an item I purchased from an XXXX company. I was never informed, in advance, that I would be charged this fee and I did n't authorize it. American Express refuses to credit the fee and is insisting that the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, Used the bank Wells Fargo to direct deposit illicit funds into other bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am putting in for a HARP loan to CitiMortgage. The reason I need this is because I lost my job and will be unable to make my current mortgage payments. I was sent the paperwork for making homes affordable. I faxed over the application and the requested documents at least four times and my contact from CitiMortgage XXXX XXXX keeps on claiming they never received any of these faxes!!

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 2016-07-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX miles

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 2016-11-15
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I am still waiting for the letter of apology from Amex sent around XXXX XXXX that describes the disposition of the funds from my Amex account in XXXX XXXX. The number of that account on the credit reporting agency was XXXX XXXX XXXX XXXX. 
I have a number of responses to the cover letter sent to me last month indicating that I " insisted '' I had no card with a number ending in XXXX, but I need 2 weeks to respond to that letter. I will be XXXX on Thurs XX/XX/XXXX and will need recovery time and time with the bank to review my records dating back to XXXX to be able to provide accurate account numbers. 
In the meantime, I request that American Express stop adding late fees and interest to my account XXXX as that balance is still in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this report.

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