BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$330.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I open a account with Citibank on XX/XX/2022 they send me a alert that my account was placed on hold to give them a call so I called them and the representative told me to allow 24hrs and I should be able to have my account back so I have called every day and all the representative have told me the same thing to give them 24hrs is currently XX/XX/2022 and no one has answered my questions and my account is still on hold I spoke to a supervisor and she told me theres nothing she could do but doesnt tell me h th e reason thats all the money I have so I had to call off cause I had no money for gas I also have XXXX kids XXXX  custody and I cant buy them anything

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 2021-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Happy holidays to you and thank you for your assistance. 

It is very hard dealing with this but I will keep being positive to make things right. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself from my personal computer. I am fully verified.. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Navient Solutions, LLC.
State: TX
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:
As a XXXX person in Texas, the least interaction with governments we can get by the better, as reports have it that we latinos are targeted unfairly for our hidden taxes disguised as fines for myriad reasons. 

A case in point is a collection agency targeting and harrassing my family with no end. Said municipal collection agency has received responses for me to stop sending collection notices as the charges relate to someone else. No matter! The collection charges have kept coming and every time they put stress on my family and create undue anxieties. Escalating this issue, we have contacted the City of XXXX which is the source of the alledged fines. The City of XXXX reportedly took care of it, but the charges just keep arriving in my family mailbox. 

We have exhausted every recourse we have, but our over-one-year efforts have been fruitless. 

Please CFPB, you are the last recourse we have in fighting the onslaught of phony charges that minorities are exposed to, and have no recourse to remediate at the local level. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. 
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOURCE RECVB has been on my credit report for sometime for {$110.00} I never knew to owe any company {$110.00}. This debt is said to come from sprint but its being reported as SOURCE RECVB. I do not owe them anything and I don't even know them. This is unacceptable I never gave consent for this to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: FMS Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report. 
Collection amount : {$150.00} assigned XXXX statue date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Please help me! My card has been down for five days. I can not use it for instore purchase for food, or even online, or to withdraw cash! I have spent over ten hrs on hold in the last three days, and today their website is down!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is reporting this Account to the Credit Bureau as LATE, this account was closed in 2009 for Foreclosure

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 2016-10-12
Company: CITIBANK, N.A.
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have XXXX Prepaid Cards issued through Citi Bank from XXXX. I have filed XXXX claims because money was not refunded on my card. I have sent documentation in 3 times. The money has not been refunded on my card and I have been going through this since the end of XXXX. They just sent me another letter wanting me to submit the same information that I already have. I want this issue fixed immediately.

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 2016-05-18
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account on XXXX XXXX, XXXX, using promotional code XXXX. This offer entitled me to XXXX XXXX XXXX miles for opening the account, making billpays in 2 consecutive months, and making {$1000.00} in debit card purchases. The terms and conditions stated that " This offer is available to Citi/Aadvantage credit cardmembers who receive this communication. '' Since I was a Citi Aadvantage cardmember, and received " this communication '' ( i.e. the promotion disclosure ), I applied for the account and completed all requirements. On XXXX XXXX, XXXX, a Citibank representative confirmed I had completed the requirements and would receive the bonus within 90 days. The miles had not posted by XXXX XXXX, XXXX, so I contacted Citibank to obtain a resolution. Citibank refused to pay out the bonus multiple times, even after confirming I had met all requirements, and after collecting {$60.00} in monthly fees for the account. I believe the CFPB was created to remedy the use of these bait-and-switch tactics by banks, and working directly with Citibank has proved fruitless.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I consumer XXXX XXXX sent a letter to Transunion requesting my consumer report, consumer file, and investigative file pursuant to 15USC1681.. on XX/XX/2021, I received a post card from Transunion requesting more information such as proof of address to verify my identity and address. I sent a copy of my drivers license, which has my current address and is unexpired, as well as my credit card ( 15usc1602 ( a ) ( l ) ). Therefore my identity and address has been verified. There should not be a need for an infringement into my privacy to send the requested documents ( consumer file, consumer report and investigative file. ) The address I mailed the letter from as well as the address I am requesting the files and report be mailed to is my mailing address. This is a direct violation of 15USC1681a ( a ) ( g ) and 15USC1681a ( a ) ( e ).

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 2021-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I returned to the United States and found a couple of fraudulent charges from XXXXXXXX XXXX XXXXXXXX for {$690.00} and {$670.00} on XX/XX/2021. I immediately called Wells Fargo to dispute the charges and spoke with someone who was hard to understand. They assured me that the charges would be investigated and a new card would be sent as my account would be closed due to the fraud. I never visited a place called XXXXXXXX XXXX  XXXX. 

A month later I received a letter stating that my claim was denied because my card was present and in my possession. This does not make sense to me because I am not in possession of my card 100 % of the time. For example, when I hand the card to a waiter or employee to charge then the card leaves my possession and sight. This also happened outside the United States in a place not celebrated for their lack of crime. 

To help my claim, I even submitted a report with my local police department at Wells Fargos request. I reopened the dispute with Wells Fargo and faxed them a copy of the report but I was denied again. I then closed the account on XX/XX/2021 and found out about CFPB and decided to file a complaint with CRPB on XX/XX/2021 and use my final dispute with Wells Fargo.

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 2015-12-17
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2017, my debit Bluebird account by American Express was disabled, I only used the card once a month to paid my rent. When I called them on the phone about it they refused to discussed the matter with me. I have had this card for over 2 years, and I do not understand how my card can be disabled without my authorization. I need to know what happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 I apply for a card with capital one..Unfortunate they denied me.I no that they discriminated against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've been on IDR through Navient for my FFELP loan from the University XXXX XXXX. I want to know when XXXXXXXX XXXX IBR payment plan will be paid off. When I update my income, it keeps extending my payoff date another year. Every time I call Navient, I get different answers. I'm afraid to consolidate loans as I don't want to start the loan process all over. Very discouraging. I never talk to the same person at Navient ; I consider myself lucky if I can even understand the person on the other line of the phone. Student loan has been a never-ending nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on both my XXXX and Experian. This account is fraudulent due to it saying on XXXX I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On Experian is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX

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 2016-11-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.

Company response to consumer: Closed with explanation