BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Solidus Group LLC.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.

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 2017-02-09
Company: CL Holdings LLC
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Other

Complaint:
I found out that there 's a debt on my credit report that do n't belong to me. Last year ago we spent day and hours to get it corrected. We received a letter from HSBC and they removed me from every account. This year again, they put it on my credit report. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: World Omni Financial Corp.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. 
I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. 
The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! 
I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed an application with Chase for a loan modification due to a hardship in the in the family. All papers were filed appropriately and the " results '' were to see a very little reduction in my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up with XXXX XXXX/XXXX/XXXX. After getting XXXX three times in two months from this gym I complained to the manager and they canceled my account and credited me the amount that was charged to my account. Over the past four years I have canceled my credit card and have been issue new cards with new numbers at least 2 times maybe more. I do this whenever their was a major data breach with any of the companies I have done business with. I typically to not go through my credit card statement with a fine tooth comb, I glance through it, making sure nothing major is sticking out every month. After the XXXX XXXX ordeal I decided looked at this month statement a lot closer and noticed I 'm being charged {$65.00} per month from XXXX XXXX. I contacted the gym to inquire about the charges. They were shocked I have been charged and advised me to contact my credit card company. I contacted my credit card company and this is what I was told. Regardless the amount of time I have canceled my card in the past few years and had new numbered card sent in its replacement if their was a merchant who has been charging me every month they will continue to allow this charge as a service to me regardless of the canceled card. If I have ever done any business with any company in the past with any of my canceled cards they will allow the charges to go through. ARE YOU KIDDING ME? 
What is the point of canceling the card? 
I was advised I should hire someone to go through my credit card statement every month if I 'm worried about the charges. 
Year to date for XXXX I have spent $ XXXX so far on this card I average $ XXXX a year on this card and pay it off every month. For me to go through every charge every month will take hours and hours of my time. 
The whole reason of canceling a card is to stop unauthorized charges form continuing to happen. I asked them to provide me the contract by where I agreed to allow them to allow charges to my canceled card. They do not have this agreement. 
I requested the agreement by where this merchant was allowed to charge my current account? They do not have this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I have disputed with AMEX the negative information they report on my credit report. AMEX signed for receipt of dispute on XXXX/XXXX/2016. According to the FCRA 623 ( a ) ( 3 ) - AMEX was required to add a statement of dispute within 30 days of receipt of dispute. However on XXXX/XXXX/2016 I checked one of reports and i saw that they failed to add this notice of dispute. i have sent AMEX a letter and proof ( see attached ) regarding this violation of my rights and not being compliant with the FRCA however currently I have n't yet received a response from them regarding their violation nor have they removed the negative information from my reports. 

This is my final goodwill attempt to allow AMEX to clear up this issue and remove all negative information [ in a timely manner ] from my account. Otherwise I will be suing AMEX in small claims court closest to me. I will request {$5000.00} as i have outlined in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
my wife applied for an XXXX credit card that had a sing up bonus of XXXX points after spending {$1000.00}. We spent the {$1000.00} and did not receive the bonus. I called XXXX and they said my wife had received the bonus 2 years ago and could not receive it again. My wife applied for this card for the bonus and XXXX should have denied the application if they could not honor the bonus advertised..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
American Express continues to send me emails informing me of my application for a new card or a replacement card. I have not applied for a new card. However, when calling the company to let them know, they insist upon me telling them my personal information ( SS # and address ) which I feel uncomfortable doing since I do n't know whom the email actually came from ( and whether it 's a phishing scam ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We receive multiple daily calls from this company, even though we have told them we are not the persons that they list. 
We have told them on multiple times they have the wrong number and they say they will stop calling, but they continue to call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I ordered a refrigerator in a bestbuy store along with a 3 year protection plan and payment was made using my Bestbuy credit card. I cancelled the item before it was delivered. For some reason, the store missed to inform Credit card division about the cancellation and I got a bill from Citi cards. I spoke to the card division on the same day and did a conference call with the bestbuy store and they agreed their mistake and provided a confirmation number ( XXXX ) for cancellation. Later, I received another bill for some balance pending. I contacted Citi and Bestbuy store and they missed to cancel the service plan. They provided another confirmation number ( XXXX ). Still, I am getting calls from Citi and they found that a balance of XXXX $ not paid by the store. They added some late fees and asking to pay around XXXX $ to completely close the account. They also reported to the credit bureau and it already affected my credit history. I am getting atl east 5 calls from Citi everyday during my work hours and I am finding difficulty in connecting to the best buy store as most of the time, they place me in hold for a long time. Please help me in resolving this issue and correct my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-03
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.

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 2015-12-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off my bill.

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 2017-01-27
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX contacted my phone on a Sat. XXXX, 2017 and a voice mail. I listened to the message. 20 minutes later I called my father in Hawaii, 6 hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.

Company response to consumer: Closed with explanation