BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-04
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges. 
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
My complaint is with American Express, A couple years ago I did the Soldiers and Sailors relief act to get my interest rate reduced with them. Since that time I have made some purchases which are subject to the 9.99 % APR on my Credit Card. I have no issue with agreeing that I owe interest on that amount. What AMEX is doing is actually doing when I make a payment, they are increasing my Purchase amount on my Credit card and lowering the amount of the 0.0 % rate. I have not made any purchases on my credit card since XX/XX/XXXX, and since then they have increased my amount by the interest amount. Nowhere in my bill or Terms of Service does it state that interest is a purchase. By doing this American Express has increased my purchase amount by {$50.00} dollars which is subject to the 9.99 interest. Even though I have no made any purchases start from XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i had received a letter from American express requesting financial information. 
I faxed that info to them at XXXX and have a fax confirmation page. they say they never received it. then they abruptly cancel my card. I called them and they told me it was sent to collections. so I did n't pay my bill. I talked to the collection agency about this and they said they cant do nothing about it. seems like a lie to me how can they alt out tell me they did n't get the info and I have a fax confirmation I told them I would pay it in full and they need to reinstate my account and remove the credit reporting since it was their error nothing back nor return calls seems like the planned on doing this on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for an American Express Platinum card on XX/XX/2016 that included a new account opening bonus of XXXX membership rewards points after {$3000.00} of spending in the first 3 months. I satisfied these requirements on my account and XXXX points were awarded to my account on XX/XX/2016. On XX/XX/2016 there was an adjustment made to my account and American Express removed the XXXX points from my account. When I called, they said some of my purchases did not qualify. I complained that they should have let me know that within the first 3 months before awarding the points and giving the cardholder the impression that all requirements were met. By the time they made the adjustment to my account, it was over 4 months after the account had been opened and outside the first 3 months for the offer. They refuse to grant any sort of extension. The only option they gave me was to file a complaint with their rewards department which will take 6-8 weeks for a decision. If the outcome is not in my favor, I would want to cancel the card however they only allow 60 days for a full refund of the {$450.00} annual fee. After the 60 days it is prorated, so as I am waiting 6-8 weeks for a decision, I will receive less and less of my annual fee back if I cancel the card. American Express is acting irresponsibly by holding the cardmember at their mercy. They entice you to apply for their card with an attractive offer, use a technicality to void the offer AFTER the bonus period, and then continue to hold onto your money while they review your case. I 'm appalled that they can get away with these practices, especially on a premium credit card with a high annual fee. I would like American Express to reinstate the points that they awarded me or refund me my full annual fee if they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company continues to report negatively and incorrectly on my credit report after debt has been paid. 

Continual harassment during collection process. Calling family members, and my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am trying to open an American Express Serve prepaid account XXXX After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take 24 hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. 

Trying to understand why this newly applied-for account was suspended was even more challenging as it was difficult to communicate with any of the XXXX representatives. All XXXX were based in the XXXX and spoke with heavily XXXX XXXX, forcing me to ask several times for them to repeat themselves, as well as for me to have to repeat myself while speaking slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid of power and the line disconnected. The second time I called and requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member Agreement. 

I 'm not sure what is more bewildering, the decision to suspend my account before I could open or use it, or the ineptness of the customer service agents in not being able to assist me. 

I am simply looking to open an American Express Serve account for XXXX shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached

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 2016-08-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the XXXX 's I received a letter that it was paid in full. However now Midland Credit Management is now calling me after I sent them this information and then called them about this are calling me non-stop at least XXXX to XXXX times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.

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 2015-06-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi Card posted my account as past due 30 days for a {$40.00} payment which they simultaneously received a payment of {$400.00}. They sent me a letter stating if I had financial issues they can help before my account goes past due and reported to credit reporting agencies. However, while this was happening they had already reported me past due and cost me XXXX points of my XXXX fico score. This is unsound business practice and unsound treatment of customers. {$40.00}!!! Phenomenal large payment history. I just got an auto loan which may have been affected by Citi 's lack of common sense and customer care therefore costing me unknown financial hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for citibank card in conjunction with XXXX XXXX promotion, promising XXXX bonus miles so long as I spent {$3000.00} in the first 3 months. I received the card and spent over {$3000.00} in the first 3 months but saw no such bonus miles. I called Citibank today and spoke with a representative, who indicated they would not be honoring the promotion because of activity with other credit card accounts. Their promotion did not convey any such restrictions / limitations in a manner that I understood, and so I believe their advertising was unfair and deceptive, specifically in such a way to induce me to apply and utilize their credit card product where I would not otherwise have done so. 

When I discussed this with the representative they refused to honor the original promotion. I requested that they put a note on the account letting them know that I would be contacting the CFPB.

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 2015-10-21
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with this promotion.

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 2016-11-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Closed account XX/XX/XXXX card cut up because rep with a foreign accent wanted me to send copies of drivers license and social security card which Im not going to do. Never had a credit card company ask me for this and fear this may cause identity theft. My credit union rep issued a certified bank check XX/XX/XXXX to pay off the entire balance on my statement which was received on XX/XX/XXXX by Citicards. They claim it was returned by bank which is ridiculous because XXXX other like checks cleared just fine. On XX/XX/XXXX they called and wanted the bank checks routing # and account # off check to process and they claim it failed to process again. Note this was not paid on my personal check but on a certified bank check I called my bank rep and she said they would need the physical check they mailed back to void and reissue funds another way. I have let XXXX citicard reps know this but they keep calling and harassing me. My bank rep XXXX tried to contact citicards to get it paid but they told her they ca n't discuss my account with her. This better not affect my credit rating as we have in good faith paid the entire balance as of XX/XX/XXXX well before the due date. This is ridiculous and a tremendous inconvenience and waste of time for all. I have all documentation attached to back this up including a copy of the original certified bank check, statements and emails with my credit union rep. This kind of activity where credit card companys have free reign is why so many americans have bad credit when they should not. I appreciate your help in getting this matter resolved quickly so we can move on

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 2016-08-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is 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 monetary relief