BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: TRANSWORLD SYSTEMS INC
State: IL
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 signed up at XXXX 's XXXX XXXX in XX/XX/XXXX. I moved from the XXXX area XX/XX/XXXX, and cancelled my service with the gym within their contract by providing them the rent agreement. They still charged me for 3 months, and each month I disputed through my credit card, got my money back, talked to a manager who told me it was " fixed ''. During this, my credit card changed due to the incorporation of a chip, which was mandatory, and the charges naturally stopped appearing due to a changed CC number. Now it is 1.5 years later, and I received a debt collection notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Collection placed illegally a lien on my home. I do not owe them any money. They ignored the statute of limitations to collect a debt. ( Arizona 3 years ) After hat the debt is considered uncollectable. They may have gotten a hold of an old account that was discharged in XXXX. That company does not disclose any information about this debt. They never informed me and my husband of a lien being placed on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have requested multiple times for detailed invoices reflecting the charges owed - have not received anything. Contacting the office via their XXXX # regularly puts you in a voice mail loop. I 'm considering this fraud at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 I noticed there was a withdrawal of {$5700.00} taken out of my bank account. I do n't remember taking out this amount of money and never authorized this withdrawal. I personally then went to the chase bank to file a report for the unauthorized withdrawal from my account. They gave me a copy of the withdrawal receipt with a signature that was not mine. The bank then told me I needed to file a police report so I can get a refund. I went to the police department and they gave me a Victims Bill of Rights report. I then returned to the bank and showed them the report, and they denied it. They told me that the sheriffs department has their policy and the bank has their own policy, which means that they do n't care what other policies say unless its theirs. I then asked them, is there any proof that you can show me to prove it, such as security videos of that day showing who withdrew that money from my account. The bank then told me that I had to subpoena them in order to see the videos or pictures. I went to the sheriff 's department and spoke to the detective so they can subpoena the bank, which was on XX/XX/2016. A month later the bank said they do n't have any pictures or videos who told the sheriff 's department. The sheriff then told me that there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My card was canceled by American Express the same day a payment was made which was XXXX XXXX. American Express sends a letter dated XX/XX/XXXX stating they checked my credit on XX/XX/XXXX. XXXX they stated my account was under review on XX/XX/XXXX and this is why the account was terminated. Now it was because of a Fico Score " among other reasons dated from XX/XX/XXXX ''. So if this was the case the card should have been canceled XX/XX/XXXX. The stories keep changing with this company. The account was canceled according to American Express for a number of reasons. I had an American Express Everyday Card. My card was approved on XX/XX/XXXX. My payment due date was the XXXX of every month. This company does not honor agreements or contracts yet they expect customers to honor the same agreement. Keeping in mind I did not go over my limit or violate any provisions with American Express. The XXXX reached out to American Express regarding my account and they have ignored the XXXX and refused to respond. 
I have repeatedly called and requested a letter in writing stating the final amount on the account at the time of cancellation. I have been asking for this letter for three weeks and still I have not gotten this letter. They made promises to change my billing date and they failed to do that as well. 
Finally according to the customer agreement my account could be canceled if I gave false information, was in default, went over my credit line, unwilling to pay, if I violated provisions, or become incapacitated. At best I was lied to so many times by American Express. I am requesting the billing date to be changed to the XXXX of the month. I am requesting a letter in writing regarding the change of the billing date and the current balance on the account. I spoke to XXXX out of the Florida Office on XX/XX/XXXX who stated the letter " was in the mail ''. I received no letter to date. The total amount owed the date of cancellation on the account was {$2000.00} this was XX/XX/XXXX. 
Total dissatisfaction is what I feel for this company and how I was treated. At this point all I need is the billing payment date to be changed and this information mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Dear CFPB, American Express sent me an offer to apply for the Business Rewards Gold card via my online banking bill pay screen. The offer was for XXXX membership rewards points for signing up for the card and spending {$5000.00} in 3 months. I pulled up the application today XXXX/XXXX/2016, as the offer expires XXXX/XXXX/2016 and I wanted to apply for the card before it expires. 
The offer showed the terms and conditions, and I read through them. There was nothing that denoted I would be ineligible for the card. 
I called to apply for the card but was told by the American Express membership rewards department agent, XXXX, that I was in fact ineligible. She apologized but cited terms and conditions that were not listed in the original offer that I had received. 
I think that this is incredible unfair. 
An offer that is mailed from AMEX to the consumer should include all terms and conditions. AMEX was apparently withholding the full terms and conditions. 
I feel that I have been mislead as a consumer, and that my time has been wasted. 
I had been planning on apply for this card all month, and now that I went to do so I was unable to proceed. 

I feel I deserve to be eligible for this card. 

AMEX needs to allow me to sign up for the card and receive the bonus, and this was the offer they originally sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
well two months ago i riceived a america express gold bussiness around XX/XX/2016. had the card lee then 2 months.and then on XX/XX/2016 america express cancel the card stateing that my the other person need to be check out because she use her card more then the owner was used her card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our mortgage ahead of time to the amount of five months through XXXX of 2016. In XXXX of 2016, we got a court notice from the mortgagor stating that we were late in XXXX payments. What happened is that the mortgagor took money from the prepaid amount and paid on the principal without my knowledge. When we needed money for another pressing problem at the end of XXXX, I did not send any money to the mortgagor in XXXX and XXXX because it was prepaid. In XXXX I received notice to go to court for possible foreclosure. We want the mortgagor to reverse the payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: TRANSWORLD SYSTEMS INC
State: UT
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:
This debt is not valid. I 've sent two letters to Transworld Systems regarding the XXXX XXXX. The XXXX XXXX commited fraud with false advertising. I returned the product which was received XXXX XXXX, 2015 at their company. I lost {$140.00} to the XXXX XXXX and they have their product back in full working order with no damage. Transworld needs to stop harassing me over this non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Ex Wife 's husband applied for a credit card in my name. Did not pay the bill and I received a notice from the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX XXXX. no. XXXX, Finance Mgr : " XXXX '' ; Sales Agent : XXXX XXXX '' leased me and my spouse XXXX XXXX XXXX XXXX a XXXX new XXXX XXXX XXXX, accepting the surrender of a XXXX XXXX XXXX in late XXXX. The later vehicle was on a 36 month earlier lease and was not due for expiration until XX/XX/XXXX. However, the Sale Agent and Finance Mgr. offered to accept the XX/XX/XXXX on that day and accept the vehicle in exchange for the leasing of the new XX/XX/XXXX model. The terms included my payment of {$1200.00} and new lease payments of {$340.00} per month going forward. We accepted their offer at which time they inspected, photographed and took full possession of our XX/XX/XXXX XXXX. There was ABSOLUTELY NO STATEMENT REGARDING ANY DEFECTS REGARDING THE PHYSICAL CONDITION OF THE SURRENDERED VEHICLE. Neither myself, my wife, nor the dealer 's agents found any physical fault with the vehicle being surrendered for lease termination. HOWEVER, 2 day ago I received a bill from SOUTHEAST TOYOTA FINANCE ( the leasing source ) totalling {$820.00}. Their notice demanded payment without delay. Since neither the dealer 's agents who inspected and accepted the vehicle XXXX months earlier as witnessed by myself and my wife observed no physical damage when surrending same, IT IS UNCONSCIONABLE FOR THE LEASING COMPANY, SOUTHEAST TOYOTA - phone no : XXXX to solicit such payment from we, the good-faith contracting consumers. Please remediate this matter on our behalf. I contacted the Sale Agent, " XXXX XXXX '' who claimed ignorance of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I had a XXXX done on XXXX XXXX, XXXX. I received XXXX bill for this, which I promptly paid off. However, in XXXX of XXXX I received a notice from the collection company Komyatte and Casbon, P.C. that XXXX medical bills from that same XXXX had been sent to collections in XXXX of XXXX. I had NEVER received either of these XXXX bills that had gone into collection. I called Komyatte and Casbon and asked what this debt was for, since I had never heard of it. The lady I spoke with told me sometimes you do not receive bills for things and that she would send me a itemized list of what the bill was for. This did not sound normal to me, so I called the original company the debt was from. She told me what the charges were for, and that the debt was sent to collections in XXXX because of a bad address, meaning I NEVER received any bills for the debts. The first I was aware of them was after they went to collections. So I called Komyatte and Casbon back, made a payment plan, assuming this would prevent it from being reported to my credit score. The lady I spoke with said it does n't matter if I am making payments, it is still going on to show reported on my credit account as an account in collections. I then called XXXX XXXX XXXX ( the company the bill was from ) and spoke with someone who told me since it was n't my fault I never received the bill due to a bad address, that they would pull the account out of collections. However, after checking my credit score the account has now shown up on my credit score as XXXX accounts in collections. I never had a chance to pay these bills. The first I had heard about them was when they were sent to collections.

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 2016-03-28
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.

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 2016-12-16
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in XX/XX/XXXX in XXXX Louisiana. On XXXX/XXXX/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to XXXX different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on XX/XX/XXXX to US Bank 's Loss Draft Dept. On XX/XX/XXXX, I spoke to customer care specialist XXXX XXXX and was told the 'automated system ' did not recognize my request and was told it would be another 3-5 days. On XX/XX/XXXX, I called and customer care specialist XXXX XXXX told me that a reply from their Exceptions process was issued on XX/XX/XXXX that a new inspection would be needed. On XX/XX/XXXX, US Bank Loss Draft Dept XXXX XXXX left a VAGUE voice mail msg for me to call the Loss Draft Dept. When I called on XX/XX/XXXX, that 's when I was told about this new delay and that an inspection was needed. I have left msgs for XXXX XXXX, Supervisor, who has not returned my calls. My receipts, documentation, and previous inspection in XX/XX/XXXX should be enough evidence that I am repairing my flood-damaged home. I am requesting reimbursement of my expenses paid, and the remaining funds from my flood insurance check that US Bank is unlawfully holding and making interest off of my flood damage claim. Remaining funds left is approximately {$20000.00}. I am requesting a check made payable to me alone for this amount and to be expedited via 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 non-monetary relief
Consumer complaint received 2016-02-09
Company: U.S. BANCORP
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
We are serious company who makes {$700000.00} gross revenue with a constant positive business account of {$20000.00} to {$30000.00}. We have since XXXX XX/XX/XXXX a business account with the XXXX XXXX former XXXX XXXX XXXX. In XXXX XXXX we received a credit card with a {$5000.00} credit line. 
On the XX/XX/XXXX statement XX/XX/XXXX appears a Balance due of XXXX. 
An automatic payment was previously installed. 
In XXXX XXXX the Credit department of the XXXX XXXX failed to consider our first automatic set up payment and registered an incident. Thus they decreased our limit to XXXX dollars. 
In XXXX XXXX. That was the first damage. 
We called and asked them to solve this issue and come back to the initial XXXX dollars approved limit. 
In fact this call was assimilated as a request for a credit line increase. 
We were surprised to be informed on XXXX/XXXX/XXXX that our request was denied and registered as well in the credit score history. 
A second call produced exactly the same effects and on XXXX/XXXX/XXXX we received a second letter with the same denial of approval on a credit line increase. As a result our Credit score went from XXXX to XXXX. 
On XXXX/XXXX/XXXX we made a payment of {$2800.00} for a due date of XXXX/XXXX/XXXX. When we looked up on XXXX/XXXX/XXXX if the payment which was withdrawn of our account on XXXX/XXXX/XXXX was registered in the payment history it did not show up. Again we paid {$2800.00} on XXXX/XXXX/XXXX as it did n't show registered. The same day we paid {$2900.00}. So for we had a credit on our account but the XXXX XXXX refused payments to our suppliers. 
As we tried to explain for a third time to a supervisor the recurrent problems and can not find a positive solution to our matter, we would like you to intervene.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation