BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 hit on my credit for debt that is over 7 years old from a company that I have recently been involved with a class action lawsuit this debt is over 7 years old and has not been on by CBR and had fallen off .. they should not be reporting this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a car for 3 years and the lease is coming soon to an end.At the end of the lease i have the option to return the vehicle or buy it.The lease agreement stipulates that : '' PURCHASE OPTION AT END OF LEASE TERM.You have the option to purchase the vehicle at the end of the lease term for {$12000.00} and a purchase option fee of {$350.00}. " South East Toyota Finance, the leasing company is asking me for {$13000.00}, motivating that the difference of {$1100.00} are " taxes and fees ''! I would like to know what my right XXXX are!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. 

Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. I would like to get more info about this bill, did n't recognize the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was informed in early XXXX that my loans would go into repayment soon because my school notified the clearinghouse that I went below part time when I in fact did not. I have been enrolled part time since 2014. I called my school 's financial aid department and filled out an enrollment verification and the clearinghouse should have been updated of my part time status. I was provided with a copy of the verification. I received an email last week stating my AES account was still delinquent. They informed me that they were never made aware of my part time status and that to their knowledge I was still attending under part time. I spoke with a woman on the phone who said that my account could be deferred and that I would have to sign a paper coming in the mail. AES proceeded to deduct {$300.00} from my account the following day. I expressed to them in prior conversations that I am enrolled in school and am currently unemployed and can not afford to pay my loans at the moment and they still deducted money anyway. I was told by AES that I signed an authorization a few years ago allowing them to auto debit my account. My other qualm with this whole issue is that I was under the impression that I go into repayment 6 months after classes end, if they were made aware that I was no longer part time ( even though I am ), why was I not afforded that 6 month grace period? My checking account was overdrawn leaving me in a precarious situation with XXXX children to care for and living on XXXX income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The school was a scam from the start could not get the help I needed to help me do better with my school work now the United States Department of Education has shut this University down, I am in the process of putting in paper work for a Discharge of these Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I applied for American Express XXXX XXXX XXXX card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Membership Rewards points after spending {$3000.00} in 3 months. I called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative ). Also, I called after approval to double check the terms and again was told I 'm eligible. After I spent {$3000.00} I saw XXXX points pending, but after a while they disappeared. After another 2 calls to Amex in XXXX XXXX and XXXX XXXX, I was told that it takes 6-8 weeks for points to post, but they are coming. 

I just got off the phone with Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product back in XXXX and now all personal Amex credit cards have once in a lifetime signup bonuses. 

This was the first time I was informed I was n't eligible. I repeat before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading in making me spend the required amount ( {$3000.00} ), paying annual fee ( {$470.00} ) upfront, and only then pulling the rug from under me. 

I request Amex credits my account with XXXX points are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I sign up b ) at least 3 calls after I signed up. 

I conservatively value XXXX Amex XXXX point at XXXX cents, so XXXX XXXX points is {$1500.00}. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.

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 2016-02-01
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that one was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left XXXX voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank closed my checking and savings accounts due to XXXX issues. I contacted them to resolve the issue and provided all the information they needed, however my accounts still remain frozen and closed, and autodebits for my bills continue to be rejected, resulting in both fees from the bank as well as the billers. I have tried to call the XXXX XXXX XXXX and have even visited the branch but they have not re-opened my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: M&T BANK CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, My name is XXXX XXXX XXXX. I worked my whole life, plus took care of a sick mother and husband. I retired with over XXXX XXXX of dollars. I will admit I didn't know what to do with all this money. I never had any real money. Now I went to people 's United Bank which is M & T Bank now. I was dealing with a XXXX XXXX out of XXXX. 
I first went to people 's Bank on XXXX XXXX in XXXX, Ct. Like a fool I believed this lady who was later let go and told me I had so much money in a saving. Not true it went into a an account annuity? Which I fought and finally XXXX got my money back. Now this is the problem. I received a statement in XXXX showing I had a value of XXXX, I would like to send you a copy. I called the bank and they said I had no money. I said o.k. then send me back that statement showing XXXX in my account. They had my account no. Instead I got a letter from XXXX XXXX saying I had no money and he couldn't reverse that statement. I feel it's my money and they invested it?? Who can help Me? I'm at ( XXXX ) XXXX or XXXX XXXX. This bank gave me trouble from the very beginning so I don't trust anything they say.

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 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Balance transfer

Complaint:
bank of America sent me a promotional rate to use. I payed off my credit card with bank of America to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was a young personal looking to take my carrier into a different direction. After the mortgage industry crashed around 2003, I looked into an education at California XXXX XXXX in XXXX XXXX CA. I was told by admissions that I would leave the school with an education that would provide with exceptional income as a XXXX. No job assistance was provided by XXXX. All I ended up with was {$120000.00} bill to repay, destroyed credit, and divorced behind all of this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
ON XXXX XXXX, 2016 @ XXXX XXXX MY AMERICAN EXPRESS BLUEBIRD WAS HIT WITH A FRAUDULENT ATM WITHDRAWL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX GAS STATION ) FOR {$300.00} ONLY PROBLEM I WAS IN XXXX USING MY CARD DAYS BEFORE THAT HOURS BEFORE THAT WITHDRAWL AND THERE IS ONLY XXXX CARD** I IMMEDIATLRY CALL AMEX TO REPORT PROBLEM ON XXXX XXXX AMEX LOCKED ACCT. UNTIL I COULD GET TO ATM TO WITHDRAWL REMAINING FUNDS IN XXXX THEN THEY WILL CLOSE ACCT. AND SEND NEW CARD ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM THEM ASKING ME TO FILL OUT FRAUD PAPERWORK AND UPLOAD IT BACK TO THEM I DID** ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM AMEX LESS THAN 24HRS. LATER THAT THEY DID AN INVESTIGATION AND FOUND THAT I WAS IN VIOLATION OF CUSTOMER AGRREEMENT XXXX. AND THEREFOR NO ERROR HAPPENED AND THEY WAS NOT GOING TO REFUND MY MONEY** BECAUSE I GAVE SOMEONE MY CARD AND PIN NUMBER ** ( WHICH IS NOT TRUE ) I WAS IN XXXX TRAVELING FOR MY JOB WHEN THIS TRANSACTION TOOK PLACE IN XXXX AND MY TRANSACTION WILL PROVE THAT** THERE IS ONLY XXXX CARD AND ITS IMPOSSIBLE TO BE IN XXXX STATES AT THE SAME TIME** AMERICAN EXPRESS LOCKED MY ACCT CLOSED IT DOWN WHICH STOPPED MY DIRECT DEPOSIT AND I HAD NO MONEY TO PAY BILLS AND I WAS IN ANOTHER STATE WORKING STRESSED OUT** I CONTACTED XXXX POLICE DEPT. FOR ASSISTANCE OFFICER XXXX INVESTIGATED WITH IN 24HRS. HE HAD WENT TO GAS STATION WHERE CRIME OCCURRED TALKED TO ATM COMPANY AND OBTAINED VIDEO AND PICTURES OF SUSPECT WHICH I HAVE ALSO** FROM THIS POINT I CONTACTED AMEX OVER 25 TIMES TO GET TO A PERSON WHO WOULD HELP NO LUCK JUST CUSTOMER SERVICE AGENTS SAYING THEY WILL PUT INFO IN NOTES IN MY ACCT. XXXX THEN I INFORMED THEM LAW ENFORCEMENT WAS INVOLVED AND THEY DID AN REAL INVESTIGATION NOW THEY TELL ME I HAVE TO HAVE THE POLICE TO CALL CUSTOMER PROTECTION SO THEY CAN TRANSFER HIM TO AMEX XXXX** I HAVE CALLED OVER 20 TIMES IN A MONTH TRYING TO GET SOME RESOLUTION NONE SO FAR **** EVEN XXXX POLICE DEPT. HAS CONTACTED AMERICAN EXPRESS BY PHONE AND EMAIL AS WELL AS PROVIDED THEM WITH THE INVESTIGATIVE REPORT FROM THEM** WHEN AMEX RESPONDED TO XXXX POLICE DEPT. THEY SENT TIME STAMPED DATES FROM THE XXXX XXXX SHOWING THE SUSPECT MADE NUMEROUS ATTEMPTS FOR MONEY, THATS FINE BUT IT HAS NOTHING TO DO WITH AMEX REFUNDING MY MONEY EVEN AFTER I HAVE PROVED AMEX NEVER DID AN INVESTIGATION AND LAW ENFORCEMENT HAS PROVED I DID NOT HAVE ANY THING TO DO WITH THE TRANSACTION THEY STILL WONT GIVE ME MY MONEY BACK, BUT THEY HAVE GIVEN ME ALOT OF RUNAROUND XXXX POLICE DEPT. TOO ALL IN HOPES I WILL GIVE UP AND I 'M NOT I HAVE EVERY EMAIL AND PAPERWORK *** AMERICAN EXPRESS DOES NOT PROTECT THE CONSUMER AT ALL THIER PROTECTION IS TO TURN YOU INTO THE SUSPECT AND PROTECT THEM FROM LOSSES** I HAVE FOLLOWED EVERY THING IM SUPPOSE TO DO AS A CONSUMER I DID EVERYTHING I NEED TO FOR AMERICAN EXPRESS STILL NOTHING BUT GAMES FROM AMEX**

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.

Company response to consumer: Closed with non-monetary relief