BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX  of the benefits with the  XXXX   XXXX  card is earning  XXXX  status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for  XXXX  after you make {$50000.00} in net purchases that post to your  XXXX  billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year,  XXXX   XXXX  through  XXXX   XXXX . This is contrary to the advertised benefit, which states purchases that post to the  XXXX  billing statements. My  XXXX  statement closed on  XXXX / XXXX / XXXX  which means all purchases made in  XXXX  after that date posted to the  XXXX   XXXX  statement. Thus, all purchases made between  XXXX  and  XXXX  count towards  XXXX  status for  XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for  XXXX  based upon my spending between  XXXX / XXXX / XXXX  and today.     Purchases posted to following statements :  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX .     If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of  XXXX  which I could have held off on if I knew they did n't count towards  XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.

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 non-monetary relief
Consumer complaint received 2022-03-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After losing my job of XXXX  years making XXXXk/yr I was able to maintain the payments for while with the pay out from my annual leave. When those funds depleted, I withdrew my retirement early and paid them {$24000.00} with little left over. COVID hit and it was really hard to find a job making enough to pay the mortgage each month. I filed hardship along with submitting MULTIPLE Loss Mitigation applications. All denied. So instead of lowering the monthly payment and letting me keep the home I worked so hard to get in the first place, they have decided to foreclose on my home. Im trying to work with XXXX to stop the foreclosure but they needed to get started on that process at least 37 days before the sale date. They are still going to try but feel certain they will not have enough time. I called Rushmore to give them verbal authorization to speak with XXXX. When XXXX called them, they blatantly lied and said I had not called to give them authorization. I had to call back and let them know I DID call and to please note that on my account immediately. Rushmore Loan Management sent me letter DATED XX/XX/2022 to let me know the sale date is XX/XX/2022. Ultimately making it impossible for me to try to get the foreclosure stopped unless I file for Bankruptcy because thats obviously less than 37 days. That is unfair considering losing my job due to budget cuts then not being able to find gainful employment because of the impact COVID has had on everyone. Not to mention, Im on multiple medications for XXXX, XXXX XXXX XXXX, XXXX and XXXX I tried filing for XXXX but was denied because I wasnt having XXXX often enough. I was told by the attorney that if I was having at least 2 to 3 XXXX a WEEK, then they might would consider it. So in other words I would have to go off my medications and risk having a fatal XXXX to be eligible for XXXX?!?!?! I have a good job now as a XXXX XXXX and I love it! I really want to keep my home. What Rushmore is doing is unethical, potentially illegal, and unconstitutional. When I was working at the job I had had for 17 years, I NEVER missed a payment. Its disheartening to believe they cant do SOMETHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The servicer AES will not report the balance of the loan to XXXX so that the loan can be pd. based on my father being totally XXXX. The loan should have never been in default, It was on income based that was XXXX for the last couple of years and then for some reason it was denied and went into default. I have called AES for the last couple of months, put in a complaint through the US Dept of education and still nothing. I am livid. Please help. 
XXXX XXXX, POA for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with Midland credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted Midland Credit for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with Midland Credit Management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On several occasions wells Fargo has charged me overdraft fees for transportation that should have cleared but they said on XXXX occasion that I over spent and when the merchant processed the payment I had spent the money or with drew it before the transaction cleared. Also, they've charged me for money that appeared in my account unbeknown to me so I'm thinking I may have received a deposit but they put it there just to charge me overdraft fees.

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 2017-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX of this year I opened an account with Bank of America and only used the account for my personal use no direct deposit thank XXXX but my friend would send me money from time to time so would n't have to deal with XXXX XXXX or XXXX.So as of the XX/XX/XXXX of XX/XX/XXXX I could n't use my online account and called and found out it was a hold on it and was told to give me the risk management department which was no help cause they could n't tell me XXXX only saying that the bank decided to close the account and it was being reviewed like all accounts do which is a bunch of bull cause if there was an issue most banks will call you or give you a heads up they did n't and not only that there is over 2000 dollars in the account and on the day they closed it they allowed my friend to put in a deposit that day which why would you do that if the account was being closed? Sounds like extortion to me and that they trying to keep my money.Then they tell me that they have to put in a request for me to even get my money really it 's MY MONEY not theres.People use banks to hold there money not the other way around they are the biggest crock of XXXX I know cause at the end of the day I need my money back they had absolutely no reason to close it period and if there was an issue why allow me to open an account anyways.But as I can see this is there practice and then they act like they ca n't tell you anything man bunk that I want my money like now cause they are the biggest crooks ever and I will keep making noise until I do get it back and get some real answers.Cause this is not right and a big XXXX fraud XXXX thieves and liers.

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 2021-11-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX mailed a check from the escrow account from refinancing my home {$7000.00} check mailed XX/XX/XXXX Delivered XX/XX/XXXX Cashed XX/XX/XXXX I called to find out what happened .... I emailed them the copy of the cleared check, the escrow account information, contact information ... EVERYTHING .... they are STILL charging me fees... reporting non payments ... even though I still made additional payments .... they are showing me past due, non payments, charging me all kinds of fees ... and now telling me that it will take up to TWO more billing cycles to fix .... that on XX/XX/XXXX it was sent to " processing " and processing can take up to XXXX MORE billing cycles This is illegal!! 
I am a 100 % XXXX veteran and I don't have {$7000.00} to loose... there is NO REASON they should be reporting late, overdue, and non payments to credit ..I... no reason they should still be charging me fees and more fees .....

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 2016-04-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Midland Credit management sent me letters in XXXX I 'm English speaking I called them several times to provide documents of paid accounts and have year to receive any documents I do n't know where my money went

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: TRANSWORLD SYSTEMS INC
State: NV
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 believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-07-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I referred XXXX persons to apply for AMEX XXXX credit card, and I shall receive XXXX bonus points per person when they get approved. I sent them the invitation email through AMEX system, and they received and clicked the link in that email to apply and they XXXX all got approved for that card. However 8 weeks later I did not receive my referring bonus. I contacted with AMEX and they said there is no record that my friend applied through my referring. I swear XXXX that I watched them click the link in my referring email and then get approved. How could they have no record!!! It must be their system errors or the bank intend to lie for this issue. I learned from social media that I am not the only one who met with this issue with AMEX and I believe that you also received other complaint about this issue. I just want to get the points I should receive. I have contacted with AMEX and they filed a investigation but keeps the same conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My identity has been stolen and my accounts continue to be frozen for no reason and XXXX stated that Wells Fargo is to blame. I have tried to mediate this situation several times, however Wells Fargo continues to make things harder for my life each and everyday.

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 2020-03-20
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 just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last week and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. Ive talked to both Barclays and XXXX XXXX. They both refer you to the other and point the finger at the other. My wife and I both heard the flight attendants say XXXX miles on both our XXXX flight ( when we opened the credit card account ) and our flight this month. To take it a step further, XXXX is advertising XXXX miles on their in-flight entertainment and on small billboards inside airports. I will enclose pictures I have of their advertisements and what is printed on their credit card applications.

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 non-monetary relief
Consumer complaint received 2015-06-09
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. 

I am XXXX and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line XXXX, total [ taxable ] income, of our 2014 tax filing. Our XXXX benefits, however, are not taxable and so do not figure into line XXXX of our tax filing. 

The bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. 

Am I correct in my view that the lending practice of American Express is a violation of the XXXX? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered XXXX? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the work on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income. According to conversations with the XXXX ladies, they are under instruction to only assess income as what is shown on XXXX filing line XXXX XXXX total taxable income ) or line XXXX XXXX adjusted gross income ) whichever is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been refused by ( XXXX ) creditors to submit a letter to me to remove an unauthorized " Hard Inquir '' on my Transunion Credit Report & gt ; The ( 2 ) are : 1. XXXX - Unauthorized Inquiry on XXXX XXXX, 2016 2. XXXX XXXX - Unauthorized Inquiry on XXXX XXXX, 2016. 
These need to be removed from my Transunion Credit Report ( Only Agency where this occurred ) My Contact Info : XXXX XXXX - Phone # XXXX E-Mail : XXXX Please reply at your earliest convenience. Thank you.

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 2020-03-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my XXXX   credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : SNYCB/PPC. As far as I can tell, this is an account that I had no knowledge of that originated with Paypal as " XXXX XXXX  XXXX  '' and was sold to Synchrony Bank. Synchorny Bank presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that Synchrony would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.

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 non-monetary relief