BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015.

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 2016-09-28
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I reported a fraudulent charge on my XXXX Debit Card from Citibank on XXXX XXXX, 2016. The charge was posted to my Account on XXXX XXXX, 2016 from a XXXX for {$39.00}. Citibank issued me a new XXXX Debit Card that I received the following day. I am still awaiting for the {$39.00} to be credited bank to my checking account. Citibank said that I would receive the credit bank within 5-7 days. It has now been 14 days. I contacted Citibank via their online message center and received a message from a XXXX XXXX that stated " Great News, I see that there is a credit in your account for {$39.00}. '' The only {$39.00} credit in my account was from another merchant ( XXXX ) who had charged me {$39.00} for a membership that I had cancelled. I never made any authorized charge to any XXXX. I have not been credited for this Fraudulent Charge by Citibank and they seem to be playing Dumb about it. CitiBank has sent me no paperwork to sign attesting that this was a fraudulent charge. There is no paper record that I disputed this charge. I have had to dispute charges in the past with other banks and have always receive some kind of paperwork to sign and at least have a paper trail that I had made a dispute. This charge caused my account to be overdrawn and Citibank charged me multiple fees. I feel that this is a scam.

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 2017-10-11
Company: CORELOGIC INC
State: NJ
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:
There are XXXX inquiries on my credit report from credco which I did n't authorize. I do n't know what credco is or what its for.

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 2016-08-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the associate had told me that I had to cancel my debit card ( {$400.00} ) in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.

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 2016-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
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 have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about XXXX alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Midland Funding is reporting an account with a balance of {$1900.00} on an alleged original amount of {$1500.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I have a monthly payment agreement with them ( I do not ). 

Similarly, Midland Funding is reporting a second account in the amount of {$600.00} with identical reporting inaccuracies to the account stated above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: TRANSWORLD SYSTEMS INC
State: FL
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 am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: AMERICAN EXPRESS COMPANY
State: VT
Product: Credit card
Issue: Rewards

Complaint:
In XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number is XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce by simply linking the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. I have done this in the past with American Express Member Rewards Points transferring them to my XXXX account. In XXXX I tried to do another online transfer of XXXX of my points to XXXX XXXX and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that my account is being reviewed at the corporate level, which could take 6 - 8 weeks. She could not tell me anything else. In other words, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX have made several attempts to obtain a home loan modification with Bank Of America on subject property XXXX XXXX XXXX, XXXX CA XXXX loan # XXXX, I understand i am eligible for the XXXX program which would help me keep my home at an affordable payment, however the lender has refused to work with us. I have made numerous attempt to work with my lender but they have yet to provide any help. Additionally I am certain they are violating the Home Owners Bill of Rights which prevents them from Dual Tracking.

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 2017-01-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Amsher Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved to an area that my XXXX phone would not work at my home. Which in XXXX contract is reason to void contract and for me to be able to get service with another provider. After I broight this to their attention they said it was no problem to end my contract. I did and then they sent the remaining balance to a collection office and would not even talk to me about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried opening a checking account with HSBC on XXXX XXXX 2016. Followed all the instructions and initiated opening balance of {$1500.00} to be deposited into that against my application id. Payment also went thru. After that i just keep on getting emails from HSBC - somebody sitting in XXXX asking me to send the driver 's license, utility bills etc ... all done within the next 3 days. So around XXXX XXXX 2016 - all the formalities were done. I just have my application id and nothing else from them. HSBC expect the customers to know about their secure messaging system to communicate with them which is quite a task also. 
Now after the wait of more than 2 weeks ( when i did n't got any email or communication in terms of what happened to my account and the deposit ) -i called them up. They asked me to call to their call customer in some peculiar time zone ... i called ... they were totally clueless why my account is not created and what all is needed from their side. In spite of providing all the documents in time and doing all sort of follow up - i have no idea where i am in this account opening process? What happened to my deposit also? Moreover i opened this account with the promotion code ... i need to have direct deposits within 120 days ... if this is the pace HSBC work - then definitely i will miss my promotion also ... .most importantly why they are troubling the customer so much in terms of account opening process?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: POPULAR BANK
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. Thank you.

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 2017-03-20
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation