BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
First, Am Ex stopped sending us bills. We discovered this in XXXX, and made XXXX payments to pay off the card and asked that it be closed. We indicated at that time our complaint that we had not received a bill for what appeared to be the last couple months. 
In XX/XX/XXXX, we received a letter stating that the card had been deactivated, and we should activate an enclosed new card if we wanted to make charges. We did not activate the new card. 
Sometime in XX/XX/XXXX, we learned that Am Ex believed there was a balance on our original card. We called and were informed that an annual fee had been assessed. We repeated our desire to close the account, and the representative told us that the annual fee was waived and the account closed. 
On XX/XX/XXXX, we received an email indicating that the account was closed. 
Next, we received an XX/XX/XXXX letter indicating that {$76.00} was due on the account. That was followed by an XXXX statement claiming an {$190.00} balance. 
We called Am Ex on XX/XX/XXXX. We were first told that our balance on the card was {$19.00} and stemmed from a charge from XX/XX/2014. We told Am Ex that such information could not be correct because we paid off the balance since then, and had closed the account. Then, in the same phone call, we were told that the balance was {$75.00} and stemmed from a charge from XXXX from XXXX. We did work with that merchant, and recognized that it was at least possible that they place a charge on this account in error, since this account had been used previously. However, we were concerned that any charge would have been accepted on a closed account. We were then transferred to another XXXX Ex employee who now claimed that we owed {$76.00} on the account. That being the fourth sum quoted to us in this XXXX call, we discontinued the discussion. 
The next day we called the merchant XXXX XXXX. They indicated that they had placed a charge on this XXXX Ex account, but reversed it and billed a separate account. 
We closed this Am Ex account in XXXX. We have authorized no new charges on this account, and have refused to activate the replacement card sent to us. In response, Am Ex has sought to collect wildly variable amounts of money from us on this closed account. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I was mislead to invest in a structured CD 's, that did not earn any % gains over 6 years period, the Broker did not act a fiduciary agent according to SEC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Around XXXX of 2009 I had cancelled service with XXXX wireless ( cell phone service ) by contacting their corporate office via phone and was told that the service would be turned off and not be charged a cancellation fee. I do n't know why but I never received anything by mail or telephone call to inform me that XXXX was trying to collect an unpaid bill for the month of service before cancellation. Due to none payment Version sold my debt and I was contacted years later by Midland credit management. After speaking with them multiple times and trying to fix the issue, also speaking with XXXX, who does n't have any available information to give me, I have noticed that the date the collection was opened has changed a few times. I 'm concerned that there might be an illegal and/or unethical practice going on. Not only has the date changed but the price of the debt is significantly higher than should be. I have no other option than to submit a complaint. If nothing can be done from a complaint then next course of action would be contacting an attorney to investigate the matter in more detail for legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with XXXX, XXXX, XXXX and XXXX, XXXX about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Midland Credit Management , Inc . Requesting payment on a balanced I settled back with the attorney office XXXX, XXXX, XXXX XXXX XXXX. XXXX representing the original debt owed for a XXXX XXXX credit card in which Midland Funding LLC was the acting debt collection agency. 

On XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX agreed to settle the {$910.00} debt for {$530.00}. I sent the attorney office the requested {$530.00} payment certified with a XXXX postal office money order. The payment was received on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX, XXXX XXXX XXXX XXXX stating " as the attorney for the creditor on the above account, I certify that the above account has been settled signed by attorney XXXX XXXX XXXX. My credit report was only updated to show I no longer owe {$910.00} but now owe {$370.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. 
I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. 
I have attempted to convince them but they are doubling down on their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I have attempted to contact American Express since XXXX regarding my Platinum Account which has now become delinquent due to their lack of action and personal hardship. The purpose of all three letters was to establish some form of payment arrangements. ALL XXXX letters sent to AMEX via USPS were blatantly ignored - I never received any response and/or even acknowledgement of receipt resulting in $ 1000+ in fees. 

During this same period, I made smaller payments to show I 'm not trying to disappear. As a last ditch effort and show I have gone above and beyond/my due diligence, I went as far as emailing AMEX 's Chief Executive Officer. Only then did I receive a callback from their Executive Office which pretty much told me thank you for your letter, but we ca n't really help. When asked about the letter I had sent to their XXXX HeadQuarters 10+ days earlier, the representative said it was my email that caused them to contact me not any letter ... AMEX refuses to admit they dropped the ball. Despite numerous phone calls, AMEX 's " representatives '' essentially read from a script in XXXX XXXX, XXXX claim they can only offer XXXX option which is far from feasible. When asked to be transferred to someone in the US or a supervisor they claim they are a " global company '' and this is not possible - I have never been able to speak with an American representative nor supervisor during this entire process aside from the individual from their Executive Department - I have been stonewalled by their representatives in XXXX XXXX which claim they can only offer what the computer generates/do nothing more. 

I am a student in the process of trying to figure out what to do with life, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: MOHELA
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 have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Weinman Acquisition Group
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
To Whom it may concern : XXXX XXXX from Weinmamn Acquisition Group called me today XXXX XXXX. He stated that I owed a debt that I told him repeatedly, That i had not taken out. At the time i allegedly took out that debt I was XXXX years old living with my mother. I never took out any debt or credit until i was at least XXXX. Despite the fact that I adamantly denied being responsible for this debt I felt pressured to sign the repayment agreement that he sent me because of his threats and coercion. I was told that if i did not sign it a sheriff would show up at my house and i would get judgment put on my name. I was told that i would have a judgment placed on my credit if i did n't sign regardless if it was my debt or not. He continued to threaten me. And even told me that he talked to the attorney to see if they would settle the debt for XXXX, even though i said i did n't remember opening this and I 'm only doing this because i want my house and i do n't want a judgment place on my name. Thinking i was going to get sue and have a judgment place on my name and threats of having attorney sent down and it would cost me close to XXXX. He even said though this is not my debt, its my best option to settle for XXXX. 

After speaking to several people in the financial industry who told me about the debt collection process and my rights in this area i was told to file a complaint with this bureau. I signed that repayment agreement under duress. I contacted the company that i had the alleged bad debt with and they confirmed that I did not owe them anything. I felt that i was lied to, threatened and manipulated. I want the agreement that i signed revoked because i only signed it based on untrue threats and manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation