BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested PayPal to send me a check of {$500.00}. Estimated arrival was 2 weeks and it has been 2 months already with no check arriving, yet they still withdrew the funds from my account. I called and asked them to cancel the check and refund the money to my PayPal account so that I can transfer it. 

Their solution? I need to wait one week for the to trace the check and cancel it. After waiting a week they will then notify me of a timeframe in which they can reimburse me my money. 

This business practice is almost criminal. I never withdrew my money, I never cashed a check, yet the money is gone from my account. Why do they need to track the check? Why does it take a week to cancel it when it takes me a couple minutes with my bank? How come they ca n't give me a timeframe of when I will receive my money and why do i need to wait months to withdraw money that is mine? Absolutely ridiculous!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In 2013 I was having some trouble making all the required payments on my consumer loans. I contacted American Express to discuss arranging a payment plan. I realized that I had accumulated a large number of points on my XXXX Amex card, that I also hoped could be used as a credit towards paymrnts. I was initially told this would be ok, THEN I was told it would only be OK if I made a large payment immediately on the card. I felt bullied into the transaction, and complied because I wanted to keep my points balance and keep the card open. After the payment, Anerican Express refused to honor the points balance and closed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
American Express has charged our account a late fee while an amount is in dispute and has marked our account late. The law states a credit card company may neither mark an account late or charge a late fee, interest and/or penalties so long as the amount disputed is in question. Yet, American Express repeatedly states to me they will remove the late fee and late statement AFTER the investigation is complete. This is contrary to law. This is an investigation of cyber fraud on our account which has taken several approaches, and this has been going on since XXXX 2013. Every 60 days we are removed from dispute status and put into late status. This also prevents obtaining the rewards earned, which is again wrong, and each month since XXXX 2013 we have pad all amounts we have charged in full. All we are asking is to pay what we owe and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called my work and told a coworker that they were going to serve me papers on a discharged credit card. Coworker called me with contact information. I called them back. XXXX knew an awful lot about my credit. I told him that the card was discharged with a BK in 2008 ... he claimed it was never in the BK. I know better than that but told him I had to talk to my husband. He made me an " offer ''. This is a third party collector whom I can find nothing about doing either a phone or web search. I did find a site with other people claiming the same tactics were used. They also identify themselves as a Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened up a PayPal account and got {$200.00} sent to me and 30 minutes after I received my money PayPal put a hold on my money and said Im permanently banned I never did anything wrong and its a brand new account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account # XXXX as reported to XXXX XXXX XXXX XXXX XXXX, XXXX To whom it may concern ; I am writing in regards to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. 
This vehicle was repossessed in California on or about XXXX XXXX, and resold at an unknown date. 

Under the laws of the State of CAUCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

GM never provied copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Because GM never provided this information, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receiving a statement. Once that information was provided, I switched back to paper statements and made the necessary payments to bring my account to current. I later found Synchrony Bank provided negative information to the credit bureaus for late payments/delinquency. I had asked that be corrected since it 's their fault payment was n't make due to involuntarily enrolling me in paperless statements. As of today, those negative marks are still on my credit bureau reports ... ..I want them removed. Synchrony Bank should not be able to just enroll people in paperless statements. None of my accounts are paperless as I do not manage my accounts in that fashion. I use paper statements ... .thus the reason account was n't paid as required during initial months after opening. Once the issue was identified, the account was immediately brought current.

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 2015-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
XXXX XXXX XXXX XXXX has taken advantage of my good nature to strong arm me into an agreement for extensive services that I did not want nor agree to. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I went to XXXX XXXX because I had a painful tooth that needed removing. When the extraction was completed, XXXX XXXX said that he would recommend some additional services. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 
I paid the bill only to find out that XXXX XXXX had turned me over to a finance credit agency before I had ever agreed to the Additional treatment program. 
This is a situation where I did not realize that my insurance company paid XXXX XXXX for the extraction. 
XXXX XXXX collected XXXX XXXX and XXXX XXXX Dollars from me for something, I do n't know. 
The Synchrony Bank in XXXX, Florida has destroyed my credit because of a treatment program that I never agreed to. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

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: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Other fee

Complaint:
I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed

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 2016-12-14
Company: Conn's, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Conn 's home furnishing refuses to apply a {$400.00} payment to my account from XX/XX/2016. I have called several times, supplied documents, faxed documents and visited the store but they do not acknowledge the receipt of the payment. They received payment by ACH from XXXX. Failure to adequately report payment history according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.

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 2015-05-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A formal request for validation of debt and a cease of communication was sent via certified mail with return receipt. However, the company has continued to send mailings and place calls after receiving the letter, but no validation of debt has been provided.

Company response to consumer: Closed with non-monetary relief