BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

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 2016-10-03
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card
Issue: Rewards

Complaint:
The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
on XXXX/XXXX/22, I called Westlake Financial to get a extension on my car loan and a representative stated to me that the car was repossessed on XXXX/XXXX/22, Which I shocked being that i was driving the car. Shortly after i spoke with another representative that told me that a repo request was put in that day, XXXX/XXXX/22. Later that morning the car was repossessed. Upon speaking to a representative to see what my balance is to recover it they said {$840.00} plus a {$500.00} repossession fee. After recovering the vehicle, applied to my account was {$650.00}, I called again and the representative and she said she had no recollection of why the representative said that, I then read other reviews of people saying the recovery fee was {$500.00}. And not to mention the representatives are very rude and unprofessional.

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 2022-10-21
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit.

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 2021-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 USAA began blocking access to my account. I spoke to customer service and they told me they need to know my net worth for 'security purposes. ' USAA was not willing to grant me access to my money or my accounts and have essentially stolen my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion is violating the FCRA, ( SECTION 1681 i of 15 U.S.Code ) .Attached exhibit A says Transunion may add 15 days to the 30 day investigation period if the credit agency receives additional information from me during the 30 day period that is relevant to the investigation.Transunion did not receive any RELEVANT INFORMATION FROM ME DURING THE 30 DAY PERIOD.Exhibit B, a transunion response to the CFPB ADMITS that they exceeded 30 days, yet they mistakenly say '' I ADDED INFORMATION ON XXXX/XXXX/2016 '' WITHOUT IDENTIFYING IT.ON PHONE CALLS REGARDING THIS ISSUE TO TRANSUNION FRAUD AND SPECIAL SERVICES DEPARTMENTS, THEY SAY I STARTED ANOTHER INVESTIGATION ON XXXX/XXXX/16 BY PHONE BUT THIS OTHER INVESTIGATION HAS NO RELEVANCE TO THE FIRST PREMIER AND XXXX INVESTIGATIONS BEGUN TOGETHER ON XX/XX/2016.I DID ANOTHER INVESTIGATION BY PHONE ON XXXX/XXXX/2016 ON A TAX LIEN.EXHIBIT C is my phone log of both telephone calls to XXXX AT XXXX XXXX XXXX, TRANSUNIONS TELEPHONE LINE FOR DISPUTES.Exhibit D is the results of investigation and the new credit report created on XX/XX/2016.IT IS NOW UNLAWFUL FOR TRANSUNION TO REPORT THIS ACCOUNT for their own errors in economies of scale, computer errors or for whatever reason.MY RIGHTS ARE PROTECTED BY LAW BY THE FCRA AND THE CFPB WILL ENFORCE THAT LAW.SUFFICIENT EVIDENCE HAS BEEN SUPPLIED HERE TO PROVE THAT TRANSUNION HAS VIOLATED THE FCRA AND LIED TO ME AND THE CFPB IN CFPB XXXX ACCOUNT XXXX # XXXX MUST BE IMMEDIATELY DELETED ON THE NEXT UPDATE UPON RECEIPT OF THIS INFORMATION.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account on my credit report from XXXX XXXX Bank which is my credit card account. Early in 2020 I went 30 days past due. Which was due to XXXX related illness and declared disaster. I havent ever been late. And getting sick during the pandemic was out of my control. I disputed with Experian and XXXX XXXX stating I was affected by the disaster. Both entities failed to acknowledge my dispute.

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 2016-01-28
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We were not checking our mailbox from XXXX XXXX XXXX due to my wife being out of town dealing with our other home that was impacted by hurricane Ian. Someone stole our mail during those dates and got access to the debit card that was mailed to me along with the pin for my Wells Fargo account. They used it at an atm location and took out {$700.00}. They also tried using it at XXXX but that charge was denied. I submitted a complaint to Wells Fargo to return the {$700.00} to my account. It was denied. We submitted a case with the local police department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The ExperianCredit Bureau failed to comply with the 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. Please update the account : XXXX XXXX XXXX XXXX : {$12000.00}

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 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I subscrib0ed to XXXX about 12 years ago telling them I could to have a CONTRACT because I would need to put it on vacation every winter because I live in AZ during the winter. I was told it was no problem. The first winter I did that they accused me of early termination and charged me {$500.00} I refused to pay it and disputed this charge. Nothing has changed. They keep sending it to different collection agencies all these years. This has been an adverse affect on my credit report and it still is showing up as a collection action. How many years do they have a right to do this? Once 7 years was gone, that should have been the end of it. I am not paying them anything for their false charges. Besides all of the above, each year the amount changes. first it was {$500.00}, then it was XXXX, now the last I saw from a new collection action was {$140.00}. They are getting nothing from me. Please make the agency correct this and get this blemish off of my record. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I get no joy from trying to score points. I am simply trying to write a wrong that was done to me and my business. This week XXXX XXXX wrote I did not like the final XXXX decision. The problem is, the XXXX sees the loan as forgiven, but the bank does not. Yesterday the XXXX wrote on my behalf the following to Wells Fargo on my behalf. ___________________________________________ Good afternoon, Please see your borrower 's request below for a Reconsideration Review and respond to him accordingly at XXXX. Review of the file shows the application was submitted to the XXXX as Approved in Full by the lender, but the borrower received less than full forgiveness. At this time the borrower does not have the right to appeal this decision as an XXXX Final Loan Review notice has not yet been issued. If there are other underlaying complications with this file, please respond and explain these to your borrower if you have not done so already. 

Or, if this was simply an error on the borrower 's forgiveness application, as the borrower requested less than full forgiveness in the amount of {$20000.00}, you may submit a payment correction request on the borrower 's behalf through the XXXX Platform at this time. 

Thank you, ___________________________________________ We have reached a stage where the bank has intentionally misrepresented the facts or failed to " inform '' the XXXX of their decision properly ; but either way they collected on a loan without standing. Please respond to this letter by letting this case proceed though the XXXX appeals process or offer a settlement. If you are having a hard time locating files as the bank tries to respond to this case again, please check out XXXX XXXX XXXX XXXX XXXX XXXX. Please note this should not be necessary as the bank has already spent 8+ hours on the site. It should be noted there are new audio files that further support the long 22 page case, but that is not the point to day. Please note all responses should include an explanation of why my XXXX requests in XXXX where simply ignored.

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 2016-11-17
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Citibank/Citigroup has been contacting me for several months trying to reach my ex husband. We have been divorced for years. I have repeatedly asked them to stop, and to remove my number. I have told them he is likely in jail, but I have absolutely no contact with him. Today they called from a different number and I told them I was filing a complaint and contacting an attorney.

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