BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
This company was told twice by my attorney to send them debt verification and were told on the phone I had representation. 
They contacted me afterwards twice by phone, once on XX/XX/XXXX and once on XX/XX/XXXX. I told them not to contact me and gave them my attorney 's info. They never sent any debit verification. I sent them a letter stating same on XX/XX/XXXX. We never received anything in the mail. This is part of why they were sued for debt collection mishandling. They are now doing the same thing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
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 resulted from identity theft

Complaint:
Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been receiving emails from Capital One in regards to someone else 's bank account ( Credit Card ), I have tried an failed to get these stopped on the banks end. I have chatted with someone on Capital One 's Online Chat and forwarded emails to their 'abuse ' email address ( Date of Chat & Email interaction : XX/XX/2020 ). This stopped the emails for a couple of months however the emails have since restarted. 

For further information ; I can not access anything else regards to the account and I am only receiving statement and payment emails. I live in the XXXX and the account holder lives in the US ( this is a 'best guess ' as the amounts in the emails are in USD ). 

I can see the persons full Given & Family Names, the first initial of their Middle Name & the last 4 digits of their account number. On the statement emails I can see the balance, the minimum payment & the payment due date. On the payment emails I can see the amount paid and the posted date. 

I do not know any further details about the account holder and all contact information that has been filled out are my details so that this can be sent through. I have included the account holders name as the 'other person ' involved in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i financed a laptop and desktop from XXXX XXXX XXXX over 5 years ago. The total amount did not exceed XXXX i made timely payments until i lost my job while pregnant. i then made some late payments but payments none the less. in XX/XX/XXXX i made some larger payments as it was reported on my credit report and i was trying to buy a home. the debt was paid off XXXX essentially with the interest added. Fast forward to XX/XX/XXXX i received information my my employer at the time stating that a wage garnishment was completed and there was a lien for a debt with Midland Funding. i late find out that a court case had been initiated against me for the same XXXX account that was paid including interest. i had no record of this court procedure and did not attend., in any event over XXXX was collected from my garnishment. this loan is a nightmare its been paid many times i need help with this predator ( midland funding ) as i do not owe any more yet it shows on my credit report as a current outstanding debt in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fees

Complaint:
On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
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:
XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. XXXX handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
I have XXXX deferred interest promotions on my account. 
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months. 
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice. 
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes. 
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, XXXX XXXX XXXX XXXX

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 2015-08-30
Company: TRANSWORLD SYSTEMS INC
State: LA
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:
Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: LTD Financial Services, L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express Open sent an offer for bonus points after spending a certain amount in 3 months. I was approved for the card and no mention was made that I was not eligible for the offer that was made. After spending the required amount on the card, American Express said that I was not eligible after all. Opened a complaint with them but they would not fix the problem. Their advertising is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
SCAM!!! 
A friend and I received a call from a " debt collector '' at XXXX. It was a recording that gave a callback number to pay the " debt '' and a woman 's name. I felt responsible to report them to warn other people and hopefully stop anyone from calling and becoming victim to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation