BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been making automatic payments without fail. My payments were {$160.00} and some change. I did not remember to fill out paperwork for recertification for   XXXX   for income based payments. They say that they sent reminders, but that is not true. On  XXXX   XXXX  of this year I opened my bank statement and was stunned to see that they debited {$2900.00} from my checking account. I spoke to an agent of Navient and said that I was going to fill out the required paperwork including copies of tax returns. I faxed the paperwork to them and told them to cancel automatic payments. Yesterday, which was  XXXX   XXXX  I opened my bank statement and realized that once again they tried to debit my account for {$2900.00}. I had an extreme physical reaction. My   XXXX   XXXX   XXXX   XXXX   and. My  XXXX   XXXX    XXXX   XXXX  . I experienced   XXXX   XXXX   and I ended up taking  three  times my normal  XXXX   XXXX   XXXX . I had to lay down to avoid  XXXX . I contacted  Navient  a couple of hours later after I had recovered to some degree. I was told that if their check went through I could start the process of a refund that w ould take two to three  weeks. I checked today and realized that my stop payment had been honored. I think they are absolutely ruthless and that they could of driven me to a   XXXX   XXXX  . I am going on   XXXX   XXXX   of age and that they acted in an irresponsible manner which could have caused significant damage to my health and well-being. They never warned me of what they were going to do and I believe it was their way of getting my attention and disciplining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. 
The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I reported fraudulent activity to American Express on XX/XX/XXXX for my Serve Prepaid account. There were approximately XXXX charges totaling {$430.00} from XX/XX/XXXX-XX/XX/2016. American Express has since closed my account, told me that the charges were authorized, and has refused to provide any additional information or credit. The fraudulent charges triggered a balance transfer and used up all my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX THERE IS A CHARGE OF {$1800.00} BY XXXX XXXX XXXX XXXX XXXX. 
I SAW THIS ON MY CREDIT REPORT IN COLLECTION. FOR XXXX BANK. 
ICALLED XXXX BANK THEY HAVE NO KNOWLEDGE OF THIS ACCOUNT, NOR OF THIS XXXX XXXX XXXX XXXX XXXX. I HAVE PROTESTED THIS XXXX TIMES TRYING TO GET THIS OFF MY CREDIT REPORT AND THEY STILL HAVE THIS ON ME. THEY SAY IT IS MY ACCOUNT.BUT THEY SEND ME NO PAPER WORK OR PROOF OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: USCB, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am going to need to provide some estimates since I do not have the bills that XXXX XXXX XXXX turned over to collections. In the summer of XXXX, I XXXX XXXX and I was taken to the XXXX XXXX XXXX room in XXXX, OR. After approximately two months, I received a notification requesting my insurance information. I receive my health insurance through the VA as I am a XXXX veteran. I contact the XXXX XXXX billing department and provided their billing agent all of my VA insurance information so they could bill the VA which would cover 100 % of the bill. Other people did hear this conversation. I was told that if they had any problems they would contact me. We received no further communications from XXXX. We received no mail, we have lived in the same home for over four years. We received no phones calls, I have had my phone number for a decade and my wife has had here phone number since XXXX. In checking our credit report we discovered that XXXX XXXX XXXX sent me to collections without any notice whatsoever, no bills, no letters, no phone call, nothing. I have never heard of such an unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Experian with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

I contacted experian and they stated that there was nothing that I could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account with Eastwest bank was closed this XXXX, due to reason of inactivity, according to the bank. It's a questionable action from the bank in the first place, since this account has regular activity. 
After that I received a email from the bank asking me to provide ways of receiving remaining funds in the closed account. I replied the email, asking them to send a check to my mailing address. Since then I have contacted the bank several times, and still hav n't received the funds yet.

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 2016-12-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland Funding , LLC has been attempting to collect a debt as a collection agency. They have altered the date of 1st delinquency to continue to keep this collection on my credit report beyond the 7 years. I worked at XXXX when the mortgage meltdown happened, so I know pretty clearly the first date of delinquency coincides with me losing my job, them going out of business and me instantly not having any income. XXXX stopped doing mortgage loans in XXXX, and it 's parent company XXXX XXXX was taken over by XXXX XXXX in XXXX. They continue to report my first date of delinquency as XXXX. This is impossible. With no source of income, I cashed in all my retirement to keep lights on and food on the table, roof over our head. I had to stop paying all credit card debt. This is the only one that continues to harrass me with threatening phone calls STILL, after I wrote them a letter that they need to remove this from my credit report since the 7 years had passed. I know based on their " made up '' date of delinquency it will drop XXXX, but I do n't think it 's fair they have continued to plague my credit I am trying so hard to rebuild and make horrible threatening phone calls that there is a complaint against me and they will be serving me at my place of employment. This is after I have provided written notification to them that this debt must be removed pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already disputed this with XXXX and was sent a certified letter that collection efforts would be ceased on this account. I want collection efforts to cease and this account with Southwest Credit be closed. Per the response from my previous dispute : " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Contrary to Mr. XXXX concerns, we have no record of receiving any request for validation from him. Notwithstanding, we have closed the account with our office in accordance with Mr. XXXX request to cease collections. Furthermore, the Credit Reporting Agencies ( CRAs ) are being instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and we recommend giving them at least thirty ( 30 ) days to update their records. We trust this resolves your concerns. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
After an initial complaint regarding an unauthorized transaction on my son 's family XXXX card that created a negative balance which was rolled into my account, AmEx issued a " provisional credit '' pending the outcome of their investigation. Their letter dated XXXX/XXXX/2016 stated if their investigation found in favor of the vendor, the credit would be reversed - which it was on XXXX/XXXX/2016 - leaving a new negative balance, I believe AmEx only issued the credit to stop the CFPB and XXXX response clocks. Since there was noresolution, this is a new clock and now includes the FBI XXXX XXXX XXXX. 

AmEx wants me to make a deposit to remedy the negative balance ; but the vendor ( XXXX XXXX ) that AmEx claims they found in favor of has no record of the transaction. How is it possible I can be held liable for a transaction I did not initiate and the vendor has no record of receiving? A subsequent conversation with the vendor, their card processor ( XXXX ) and AmEx resulted in the same run-around tactics I 've dealt with since my original call to AmEx. I do n't owe them money, but they have debited {$980.00} from my account ( {$490.00} X XXXX ) Please help me get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. 

This also happened to me in XXXX 2014. I still have that issue on my credit report. 

This company makes it difficult or impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called my home on a false debt. Debt was incurred either by identity theft or fraud, I dont which. The debt was incurred over 27 years ago according to the Convergent agent. I was not informed about the place of the original debt nor of the company name. Convergent has not released the address nor location of the person receiving the loan or service. 

I am XXXX XXXX XXXX and my XXXX XXXX XXXX, but during that time ALL my bills were paid on time with no delinquencies. I XXXX XXXX XXXXXXXX XXXX XXXX and had less than 6 days a year at home for personal time off from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XX/XX/2015 I applied for an American Express Charge card as well as a credit card. I received both. I was making payments on time and never fell behind. In XX/XX/XXXX/XX/XX/2015 I was having difficulties paying the balance on the Charge card as I was in the middle of closing my store and trying to re-open in a new location. I had called to make payment arrangements and was able to meet them and if not I had called in to let them know that I would be making the payment on a particular day. XX/XX/2015 I had an arrangement to pay the balance of around XXXX to make my card current. I had made the payment and called in to see if it was received. I then was told I had to call an agency as it was transferred to them. I called the agency to find out what was going on as I did n't understand why as I never got a phone call or letter. The payment was received within a day or two of them transferring my account to cancellation and this agency. I now have a closed by credit grantor on my account. I tried calling AMEX to talk to someone about this and no one would help. My other card that is current and had no lates is now being closed and going to an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Credit Plus Inc
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person. 

The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by. 

Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I filed a dispute with AMERICAN EXPRESS in regards to a charge which was on my card for {$350.00} on XXXX XXXX. I was told I would get an email updating me on the status of said dispute on XXXX XXXX and XXXX XXXX. I got neither. I was told by an agent that the status had been changed and I was going to be granted a refund on XXXX XXXX for the full amount. I called back to check later that day ( XXXX/XXXX/XXXX ) on my refund and was told they had no record of that in the notes and I requested to speak to a supervisor. I was then transferred to XXXX a supervisor present and was told she did not have the information notated in my account and there was nothing she could do. I asked would she review the recording of my conversation with said agent she said yes. I then reminded her in the state of alabama a verbal agreement is binding. She stated nothing and told me to call back on Thursday as any supervisor on the floor could review the notes that she reviewed the recording and a determination made then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
this is my third complaint. I contacted them XX/XX/XXXX via email to XXXX I sent them a PDF showing that I had paid. 
I did not receive a response. 
I did not look at the XXXX statement ( electronic ) because I thought it didn't reflect the last payment. 
I received a XXXX statement with a host of late fees. which is peculiar for something that was paid in full 2 months before I spent this morning going through each statement and found that my payments showed I was paid in full. 
I discount any and all late charges, it is a 24 month loan and I paid ahead ( I guess that is my sin, trying to pay early ) I expanded my spreadsheet because I found that although the statements show all my payments, their transaction history omits 6 payments from XX/XX/XXXX through XXXX/XXXX/XXXX and the last payment XX/XX/XXXX my bank statements show the funds being transferred

Company response to consumer: Closed with explanation