BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-13
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I enrolled in medvance institute in XXXX. They mislead me about student loans. They stated I could relieve quite a deal of money back by them submitting all the paper work in themselves instead of me paying in full or taking out a personal loan. The cost to attend this school was, {$860000.00} in XXXX. 
I believe I was mislead by this school on student loan.My loan was then sent to Navient. 
At the time the o was out of work then only could find part time work. Navient always revered my to forebarrsnce. Presenting it as a better option for me because I could not afford the XXXX payment a month. They never have me options of income driven plans. Or divided the huge accusation of interest. I feel they did not take the time to talk to me about ALL my options. Today the loan is {$25000.00}. I work full time and can pay a monthly payment. The payment they want is about XXXX XXXX a month which is something I can not afford so I enrolled in the income plan. It now is XXXX a month and of course that barely goes to interest and the keep tacking on XXXX a month because I could not pay a past dues amount that accumulated when the income driven plan took longer time to get approved then the generation of monthly payment. So now I am almost XXXX past due and a monthly payment of over XXXX due to XXXX in last fees each month. Barely nothing goes to interest. In XXXX my payment starts to go up to over XXXX a month. I am horrified my principle loAn is almost XXXX more now. I feel Navient steered me into what was easier for them and was better for them to receive more money. I wish they would have taking the time to really discuss things with me. They are always hostile when I attempt to contact them and discuss loan details. THEY CALL ME EVERYDAY EVERY TWO HOURS. WHICH IS HARRASMENT I now make a payment of XXXX a month hoping a small amount will go to the past due. They have informed me to take out a personal loan to catch up. Instead of giving me a payment plan to do so. 
The point of this complaint is started with the original loan pressure and lack of explanation and now Navient 's handling and fauie to take the time to communicate details and pressure of forebarence My complaints fits most all of the Catagories listed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have made two bill payments for {$3900.00} to XXXX XXXX, and they were not completed. MoneyGram issued refunds for the transactions, but when trying to process them at the register, it gives an error and will no process. MoneyGram is holding my money and will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

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

Complaint:
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX XXXX account. I have even contact XXXX 's XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX 's XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC still has a judgement attached to my credit report that was written off by the creditor in approximately XXXX. I went through the unfortunate era with many others who lost property and/or could not pay debt. The company did a charge-off. The file was purchased by Midland. They bought paper, which does not include any oral or written agreement between them and myself. Furthermore, I did research on the court status of this document. After the documents were served on me years back, I did an answer [ which shows in court records ]. I never received any further court date. When I went to both XXXX and XXXX XXXX, it showed that document never made it to a court room. Therefore, to me and others, it pointed to possible fraud. I am now XXXX years of age and in bad health and need my credit clean to move into XXXX. I have reported this company prior to this. Below are document info : XXXX {$4500.00}. Date filed XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card account with XXXX card services in XXXX. I defaulted on the credit card in XXXX. The collection agency Midland Funding continues to report this negatively on my credit report. I have filed a report with the agency and Midland that this is an old debt as there has been no activity since XXXX. Midland continues to report with activity since XXXX which is incorrect. There was no activity on this account in XXXX. The last activity was with original creditor XXXX in XXXX. This account and activity is over 7 years old. It should not continue to be on my account with XXXX and XXXX. I have filed an error report with XXXX but they continue to report this old account based on incorrect information provided by Midland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I currently use an American Express Serve card. ON XXXX I used my Serve card at the gas station. When I bought {$8.00} worth f Gas American Express transferred {$92.00} to the Serve card from my XXXX account to cover the gas. This {$92.00} transfer cost me a {$34.00} fee from XXXX. I immediately called American express to have them reverse the transfer so I would n't incur the fee and they refused. I use a prepaid card to monitor spending and avoid fees. Since American Express Serve targets poorer nonbanked communities, causing customer to incur fees seems callous and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX, heath care provider had an outstanding balance of XXXX from my XXXX. I was not contacted about this debt via mail or phone and was then sent to collections. Transworld systems inc is now harassing me about a debt I am will to pay but was not made aware of. XXXX admitted they had incorrect contact information for me. The mistake that was made by them has now caused my credit to be damaged and me to be harassed inappropriately. I have agreed to pay {$50.00} a month to catch this up and have done so to date. Yet my credit is still being affected and I am still being harassed. I have also been told the late fees and additional collection charges would be waived but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had a Corporate American Express card from my employer, XXXX XXXX XXXX. I had closed the account when I left the employer on XXXX, XXXX, 2015. The account was closed but there was a charge that got posted on my account on XXXX XXXX, 2015. There was no correspondence about that charge on my account either via email or mail. On XXXX XXXX, the account was sent to a debt collection agency. Even though, I have XXXX other cards with all information updated, the company never bothered to reach me. Additionally, I was receiving email statement, but the company never bothered to send me a statement. I would like to company in significantly improve their practices on Corporate Credit Card and practice of sending it to debt collection agency WITHOUT TRYING to REACH customer. Moreover, they added {$190.00} of late fees. This is totally out of line, given I never got any correspondence of outstanding balance!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
The American Express Company XXXX Business Credit Card has just begun to process all payments made by or from non-business ( i.e. personal ) checking accounts by XXXX and not XXXX and does not provide any opt-out or alternate method of payment whereby payments are processed by XXXX or otherwise provides for an image of the check used for payments. This violates XXXX. I am asking for you to enforce this law on American Express and require them to provide a method to process payments by XXXX and not by XXXX conversion, so that the check issuing institution will receive an image of the processed/cancelled check for me to obtain for my records as provided for by law. ( The legal " Substitute Check '' image. ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
After buying a XXXX rebate eligible product from XXXX, I filled out all the necessary rebate forms and my rebate was approved. I wait the time to receive the card. 

AMEX/XXXX never sent the gift card or was sent back to them by USPS. 

The rebate terms clearly state a fee only AFTER receipt by the cardholder. 
" a {$2.00} monthly service charge applies but is waived for the initial four ( 4 ) months after receipt by cardholder. " XXXXI see this as fraud since when I called AMEX they inform me of the fee and refuses to issue the card in the full amount. Instead I am to be sent a new card with {$2.00} less. I asked for a check but was refused also ( as expected ). 

To further this, the XXXX product that was purchase is an online storage service for 1 year that no longer provides the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have tried multiple times calling and mailing XXXX, exeperian and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

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 2016-12-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In the middle of XXXX this year, I received a text from the Citicards Fraud Department. I immediately called that department to investigate what was going on. They informed me that there were some charges on my account that 'they ' suspected were fraudulent charges. When I logged into my account on line I immediately noticed that there were XXXX ( XXXX ) charges that clearly indicated that someone used my credit card to pay New Jersey XXXX. I was told by the dispute department that they closed the account and issued a new card. I was told that when my XXXX XXXX, 2016 statement would reflect that these charges would be subtracted from the account.

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