BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Supposed debt is from a XXXX on XXXX/XXXX/14 ; discovered open collections while checking my credit score. Disputed & was informed by both XXXX and XXXX that the report of collection was erased. Now, 3 weeks later, I got a bill from Transworld for {$1500.00} and change. This is literally the FIRST communication I 've received from them EVER regarding this debt. Was still paying off XXXX bills a year ago & called XXXX to settle up with my tax refund. Was told my balance was XXXX and that I owed nothing. Asked for & received confirmation that this was correct. Not once in the last year have I gotten any phone calls or mail from Transworld, and now, AFTER the issue was supposedly resolved, they are telling me I owe over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: ADP Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX ( 2 days after my paycheck auto deposited ) 3 transactions were made without my knowledge, depleting my account. My employer, XXXX XXXX, uses GlobalCashcard/XXXX for paycheck purposes. 

This was on a newly issued card, because the month before ( in XXXX ) a similar fraud took place. ( On the XXXX incident the bank acknowledged the fraud, refunded my money into my account, and issued a new card. ) These were the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} I reported the fraud next day on XXXX XXXX. This time the phone personnel treated me with impatience, and on subsequent days several times hung up on me. 
Case No : XXXX On XX/XX/XXXX ADP XXXX XXXX  sent me a resolution letter, stating that they found these transactions normal and no refund will be issued. 
( from ADP XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX It is this negative resolution that prompted me to turn to you with a complaint. 

I list below the fraudulent transaction from the month before, because there may be a pattern in the locations and the timeline right after pay day. 
( These XXXX charges were credited back to me, and are not part of my current problem. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX Atm Transaction Fee XXXX {$3.00} XX/XX/XXXX Atm Transaction Domestic Fee Adjustment + {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a debt validation letter to Nationwide Recovery on XX/XX/2022. According to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX the letter was delivered on XX/XX/2022. As of today I have not received any validation of this debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Citi bank reported delinquent payments that damaged my credit standing on an account that they never furnished me a hard copy of the statement for. I kept getting emails telling me to log into their site to see the account but kept telling them I could n't because I no longer had the card and the log in required it. They would not provide me with the full number of the card and in spite of my requests whenever we talked on the phone ( today being the most recent ) I have NEVER seen the statement. I filed a complaint with CFPB that resulted in them removing late fees and I did pay the amount to stop the damage to my credit standing but today was told they would not correct the information sent to the credit reporting agencies and again did not offer to send a hard copy of the statement showing what was purchased.

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 2021-12-22
Company: I.C. System, Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. IC SYSTEM account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. They failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( IC SYSTEM 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 2021-12-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts Midland Funding LLC is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We were on a 3 month plan to pay the last payment of {$2100.00} to XXXX XXXX XXXX XXXX on XX/XX/2021. Approx the middle of XXXX, we received a phone call from XXXX XXXX telling us they were transferring our loan. We didn't understand at the time nor did we accept the offer. We called XXXX XXXX and no one would give us answers or explained why they were transferring our information to a 3rd party. XX/XX/XXXX we received a letter from a different Servicer stating we must now start paying them on XXXX, 2021. We called XXXX XXXX to inform them and they stated our loan has been transferred. XXXX XXXX, 2021 we received a letter stating we owe the new Servicer. We called Midland Mortgage on XXXX XXXX, 2021 spoke with the receptionist XXXX ( XXXX ) asking her to please send Validation of this new contract, she said she not allowed to send anything. We asked her to please give us the information to the financing officer, she said she wasn't allowed and transferred our call to her Supervisor XXXX ( XXXX ). We asked XXXX to produced the contract that we signed with Midland Mortgage he stated he can only send the payoff sheet, then transferred our call to XXXX the Manager, whom we asked to send the contract that we have with Midland Mortgage and she said she couldn't because they bought the contract from XXXX XXXX who sold it to them in XX/XX/2021. This is a completed violation of the FDCPA 15 USC 1692, as a consumer and the original creditor also violation of 15 USC 1692g when the Midland Mortgage Corporation would not validate an original contract between us and Midland Mortgage Corp. They're also in violation of 15 USC 1692f ( 6 ) and 15 USC 1692d by using unfair practices, sending us a delinquent notice and threatening us that if we do not pay on this alleged loan we will lose or home and entitlement to my VA home loan guaranty, dated XXXX, 2021. When calling Midland we were yelled at assumed to be lying when we had our authorized representative speak on our behalf, which is also violation of 15 USC 1692d ( 1 ) ( 2 ). They are also in violation 15 USC 1692e, 15 USC 1692b, 15 USC 1692b ( 2 ) sending written communication ( violation of 15 USC 1692c ) claiming I owe an allege debt to their company. As the natural consumer 15 USC 1692a, and original creditor 15 USC 1692 there is no debt owed because the we extended the credit, it was sold without our consent or signature on a contract between Midland Corp and ourselves. They were not authorized to use our credit violation of 15 USC 1692p Unauthorized Use of credit. My wife and I our stressed, anxious, nervous lately on edge and in fear of losing all we have and worked hard for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Other

Complaint:
We were charged interest and fees in the amount of {$46.00} in XXXX 2015, because American Express stated they did not receive our scheduled electronic payment. Upon further investigation with our bank, XXXX, it was discovered that indeed they were paid the full balance on the scheduled due date of XXXX XXXX, 2015. I contacted American Express ( XXXX ) and spoke with a customer service supervisor, XXXX, who refused to credit our account because I did not contact her earlier, they have a XXXX month time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
This is my second complaint on this issue. Please see case # XXXX. My original complaint was because I was not able to get an answers from Amex about the reward points that were in my account. I was told my account was locked for review but no one explained why. 
Amex responded to that complaint with a letter stating that my account was under a standard review and that the points would be available XXXX-8 weeks form the date the spend was met which was XXXX XXXX. That date was in their letter. 8 weeks ended on XXXX XXXX and the points are still not available. I have spoken to numerous people in customer service and membership rewards ( XXXX ) and noone knows why my account is still under review and they state they are unable to connect me with anyone who can help. Today I was told I needed to talk to someone at corporate and " that I would need to figure that out on my own. '' Seriously? This is what Amex calls customer service for a platinum card? I am still waiting for the call back that I requested 2 weeks ago. I am trying to book a trip on XXXX XXXX in XXXX class on a promotion they have now for XXXX points to go visit my son in XXXX. That promotion ends today. I have spoken to over XXXX people in the past 3 days trying to get this resolved and have gotten nowhere. I am beyond frustrated and seriously disappointed with the lack of help from XXXX XXXX Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: HEAD MERCANTILE CO., INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report. I seen an amount for {$160.00}. This includes a medical service that I am unaware of because the information is not me or owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
On XX/XX/2016 I applied and was approved for a Platinum Card with a sign up bonus of XXXX points under the condition that I spend $ XXXX in 3 months. I received the points XX/XX/2016. On XX/XX/2016 I contacted Amex customer service via chat ( screenshot provided ) and asked if me returning an item would cause me any issues with my sign up bonus of XXXX and asked for confirmation that I would get to keep my points without issue. The representative ( XXXX ) assured me that it would not cause any problems. 

Thus, I was surprised to find that on XX/XX/2016 my XXXX sign up bonus was removed from my account. When contacting Amex, they transferred me to several different departments until giving me the reason that the points were removed because of " returns ''. They then said started an investigation and put a hold on all of my remaining points in my account thus preventing me from using them during the holiday travel season. It has now been 2 months and I have received no response, my points have not been returned, and my account has been locked. I 've contacted Amex for a status update and they continue to give me the run around and transfer me to several departments until I get hung up on. 

*I 've attached a copy of my chat with the Amex customer service representative confirming that returning an item would not cause my points to be reversed. I 've also attached a copy of my statement showing the same charges shown in the chat to prove the chat was talking about the account mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX XXXX has frozen all of my accounts ( which were established in XX/XX/XXXX ) and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX ( which they are requiring the customer to fill and sign ), however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX and XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XX/XX/XXXX since I received a raise in XX/XX/XXXX, which means reported income in XX/XX/XXXX will be higher than the income stated on my XXXX tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
This is an additional inquiry to Citicards. This additional inquiry is necessitated by the fact that Citicards has repeatedly failed to answer XXXX simple question regarding my Citi ( R ) XXXX Platinum Select ( R ) Visa Card ending in XXXX. As a result, I will ask the question here again with the hope that a rational and intelligent human being at Citi can provide an answer. 
What is the date of first delinquency of this account? 
Can Citi provide all information reported to the Credit Reporting Agencies regarding this account upto and including XXXX 2014 - the month that Citi stopped reporting this account? 
I understand that Citi no longer owns the account and no longer reports the debt to the major credit reporting agencies. I also understand that Citi is the original creditor of the account, and can provide information pertinent to this case. I also understand that Citi is liable for violation of the FCRA for willfully providing dishonest and inaccurate information to debt collectors in a bid to aid its debt sale practices. I also understand that this is a follow-up to CFPB Case # XXXX. 
This is the final request before this complaint is forwarded to an attorney for legal action. 
Sincerely, 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 2021-12-22
Company: Experian Information Solutions Inc.
State: CA
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation