BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
When I asked the representative for American Express Serve what country he is in, he stated " United States ''. I do not want to give out my personal social security and date of birth to persons outside of the United States. He lied to me to get the last XXXX digits of my social security number.. When his supervisor answered the phone she, I asked her what country she is in, she started to dance around the question, then answered " XXXX ''. 
I asked the question because I do not give out my personal information to service people not in this country. 
This is fraud. 
This is fraud at the service level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We rented a car. A third party service that has an automatic toll payer ( like XXXX ) billed us for using their service, which we did not use. AmEx and XXXX acted as if the charge was legitimate. It took three times corresponding with them before they dropped the charge. They acted like the burden was on us to prove we did not incur the charge and they sent " evidence '' that proved nothing. It was harrassing, and most consumers would simple have capitulated. I happen to be a lawyer, so I pushed the issue. We feel that these companies ( XXXX XXXX XXXX, XXXX, and AmEx ) are using their corporate leverage to rip people off, and we 'd like to know how often this happens with these companies in particular.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account that was removed has been reinserted with a date of XX/XX/XXXX without a notice being issued to me within 5 days of the reinsertion date. This credit bureau has violated the FCRA by not notifying me of the reinsertion of this previously removed collection within 5 days of the insertion date which is XX/XX/XXXX. The collection listed is XXXX XXXX {$2100.00}. Please remove this collection immediately, as this debt does not belong to me and you have violated the FCRA! 

There is also an address listed on my credit file that has NEVER belonged to me! Please remove it immediately. Listed as XXXX XXXX XXXX XXXX, XXXX, IL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. 
Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
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:
Unsure of validity of this debt and need to understand exactly what this debt involves. I am not sure if this is even a debt that I should be responsible to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated. 


I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.

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 2016-03-21
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
I have been contacted on numerous times by phone and mail concerning an amount of money I allegedly owe. I do not recognize the firm that I allegedly owe this money to. 
I called last Thursday, XXXX XXXX, 2016 to get information and they asked me to call back today, Monday, XXXX XXXX, 2016, which I did. After being transferred to XXXX different people, they told me they could NY provide information as the account was under review but the would not tell me why. I told the last person I spoke to, a XXXX XXXX, that I wanted to settle the account for {$1500.00}, which is what I can afford at the time. They asked me to call again. 
I want this to be over! 

The firm is Midland Collection. 

Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
Hello, i have been a long time american express customer with XXXX cardholders on my american express account. A couple of years ago american express began automatically placing chargers over a specific amount ( I believe it was any transaction over {$150.00} ) into a pay over time category which is not payable in full at the end of the month and accrues interest of approximately 16 %. Initially we did not know transactions were not automatically moved to this category so there were transactions for both card holders included in this pay over time balance which accrued interest and grew over time. on several occaisions i have contact american express to provide the pay over time balance and accrued interest balance disaggregetaed for each card holder. american express has been unable to provide this information to me. Having this information is imperative for card holders especially since the pay over time election is made my american express ( i asked american express to remove this function however pay over time chargers recur on my account from time to time ) and the fact that interest accrues on this balance. i will say that the reporting on the pay over time balance has improved over the years ( a couple of years ago it was almost impossible to determine the entire pay over time balance, now this information is available in summary form ) however the data available to cardholders is insufficient to properly track charges and manage monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
there was a debt that originated in XX/XX/XXXX-XX/XX/XXXX for a cell phone with XXXX. XX/XX/XXXX the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but XXXX/XXXX/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have XXXX kids from ages XX/XX/XXXX today is XX/XX/XXXX and I still have n't received anything from this company. but they sent notification to my credit union on XXXX/XXXX/15 .... why have n't I received anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2020 I received an email from a company called Netspend, advising me that my " Netspend card is on the way! '' The email goes on to state : " XXXX, your Netspend Prepaid Mastercard has been shipped and is on its way to you. Once your card arrives, be sure to activate it and verify your identity. * After that, add money to your Card Account and then use your card to buy groceries, pay bills,1 and shop online! '' Not only did I never order or authorize a debit card from Netspend, I've never even heard of them. I believe this is a consumer scam, and hope you can do something. I have attached the email for our 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 2015-07-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have any upaid debt. I have received calls from XXXX on the following dates : XX/XX/XXXX ( twice ) ; XX/XX/XXXX ( twice ) ; XX/XX/XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). 
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hello, Back on XXXX XXXX, I was offered XXXX Bonus Miles of which XXXX would be XXXX if I upgraded from a Delta XXXX to Delta XXXX. This offer was contingent upon spending {$2000.00} on the card. 

I fulfilled the {$2000.00} obligation on XXXX XXXX. But now 2 months later I have NOT received those miles. I have repeatedly called your XXXX number and have found your agents are be very polite. But your back-end people and processes must be asleep because I have still not received my bonus miles American Express has NOT lived-up to its agreement. 

I would rate American Express a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-10
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. 
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. 
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. 
The correction for XX/XX/XXXX is still pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief