BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC notes acct # XXXX as a debt owed by me for {$820.00}. I have sent two certified mails requesting validation of debt ( XXXX/XXXX/16 and XXXX/XXXX/16 ) bearing my signature but Midland Funding simply replied as debt is owed by me. Midland Funding has failed to provide validation of debt and I have requested numerous times for the derogatory marks to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Other fee

Complaint:
American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Other

Complaint:
I am filing this complaint about American Express ' policy of raising interest rates on XXXX its consumer and business cards to a usurious XXXX per cent level when the customer falls even slightly behind on payments There is no warning or effort to communicate with the business owner or individual consumer before a peremptory raising of these rates .I can accept and even understand charging XXXX per cent or XXXX per cent which is within the prescribed range above prime when cardholders are in arrears. XXXX or XXXX per cent are rates charged by loan sharks or people who break arms to enforce payment terms .When I called Amex a month ago to raise XXXX about the XXXX per cent our business was being charged and asked for a refund based on retroactive lowering of the rate back several months it only agreed to lower the rate going forward .This tells me that they are engaged in outright XXXX knowing thatthe average business or consumer will not challenge it The rate has been raised to the same level for my daughter on her individual card We are demanding ( not requesting ) that American Express lower her rate and refund XXXX the business card and her card the excessive interest charges .My wife is a plaintiffs attorney as is my son in law and you can communicate to AMEX that we are prepared to enlist others in a class action suit if it does not honor our demand within the next 45 days We are gratified that the CPFB has been taking such aggressive action against these credit card XXXX as I read recently in a XXXX Magazine article Thank you XXXX and XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Other

Complaint:
Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
American Express card offered me to shop on XXXX XXXX, 2015, the small business Saturday, and told me if I spend more than {$10.00} on XXXX/XXXX/15, I will get {$10.00} statement credit, so I did spend {$19.00} on a small business XXXX I chatted with Amex rep in earlier XXXX, the rep told me I am definitely qualified. Today I am chatting with a XXXX rep since I received my statement, and the credit is not showing up on statement. Now this rep told me this credit requires vendor approval, and will take up to 90 days to post, the vendor approval and takes 90 days to post were never disclosed in the initial offer. I feel being cheated by Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.

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 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Rewards

Complaint:
My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: AK
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.

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 2017-01-09
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XX/XX/XXXX. I filed multiple claims multiple times but they never got back to me or recredited my account. I do n't even see credits from large fraud charges to merchant named XXXX. There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges American Express is holding my liable for as of now that equals my total current balance. THis has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew AE would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against AE now using this CFPB service. They still have not done anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
keeps calling my job and harassing me at work on a debt that is over 15 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from XXXX XXXX, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Portfolio Recovery Associates, added a collections account to my credit report AFTER complaining to Consumer Financial Protection Bureau regarding their deceptive debt collection practices. In retaliation, Portfolio Recovery Associates added a collections account to my credit report without verifying the account. In addition, I was explicitly told that a lawsuit was pending if I did n't pay the debt immediately which was a lie. Furthermore, Portfolio Recovery Associates misled me by consenting to receive auto-dialed cell phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue. 


XXXX

Company response to consumer: Closed with explanation