BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment '' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a {$12000.00} student loan in 1983. I defaulted on the loan and since then my paycheck, income tax and now my Social Security have been garnished. In the past 30 years the loan has been paid three times over but I still have to pay these collection agency fees. For 30 years I have been trying to get on payment plans to stop the garnishments but because the loan is in default, the collection agency would not let me set up my own payments thus the vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # 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 monetary relief
Consumer complaint received 2016-08-03
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was promised a promotional offer by Citibank in connection with opening a Citigold checking account. I met the required criteria stipulated by Citibank, of which I have documentation. After meeting the criteria, Citibank confirmed that I had done all that was required to receive the promotional XXXX XXXX XXXX miles and that the miles would be rendered within a certain amount of time. That period of time elapsed long ago. I sent additional messages and made additional calls and Citibank still has refused to perform as promised. 
Citibank tricked me into signing up for the account by promising a promotional offer they never delivered. They collected the fees from me for the account each month while stringing me along promising to render the miles. I believe they did this knowing that they would not give me the miles but wanted to continue to collect fees from me for the account. I want Citibank to perform as promised and deliver the XXXX XXXX XXXX miles.

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 2016-08-10
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi mortgage said I was being transferred to XXXX effective XXXX/XXXX/2016 and as of XXXX XXXX, 2016 they was not accepting any further payments. I called XXXX and gave them the account /loan number which Citi mortgage provided. XXXX had no knowledge of me nor the loan/account I gave them. I contacted Citi Mortgage according to their records I was transferred. On XXXX XXXX, 2016 I was informed the transfer was RESCINDED and a letter was sent on XXXX XXXX, 2016. I have not received this letter. I want to know the reason why the transfer did not go through. No one at Citi Mortgage can tell me the reason why the TRANSFER was RESCINDED. As a consumer I have a right to know.

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 2016-01-25
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Bread Financial Holdings, Inc.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is a complaint against EBAY and PAYPAL ( this XXXX is addressed to PAYPAL, another will be filed for PAYPAL ). I logged onto my EBAY account to purchase an item ( a watch ). 

I had previously set up a credit account with PAYPAL, for {$3700.00} in credit. 

The EBAY listing offered a payment plan beginning at {$55.00} for 24 months for PAYPAL CREDIT I decided to take advantage of these terms. I then clicked the radial that says " Commit to Purchase ''. When I was then brought to the payment screen, the financing opportunity was no longer available. Essentially, I was lured into committing to purchasing the item with credit terms, and then once I did commit, the credit terms were removed. I called EBAY and they said it was the fault of PAYPAL. I called PAYPAL and they said there was some type of security issue with my account and they would fix it. It was never fixed. I called EBAY this morning ( XXXX.2017 CST ) and was told that sometimes credit terms will be listed on items, when there is actually no credit terms available, but you do n't find out until you committed to purchase the item. The agent at EBAY was rude and acted like this was my fault. I do n't recall her name, but the code to get to her was XXXX. She did n't seem to realize the gravity of the situation. Meanwhile the seller opened a case against me for non-payment. I was forced to scramble to find an alternate means of paying. EBAY and PAYPAL have colluded to incent a customer to purchase an item with false terms. This is clearly a violation of UDAAP and likely other state consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo IRS Confirmed my stimulus 3 ( for {$1400.00} ) was sent on XX/XX/XXXX to my Wells Fargo Debt Card ending in XXXX. 

The IRS said if I did not receive it, call my bank. 

Wells Fargo acts clueless when you call them and they do not anticipate the needs of their customers by sending them daily updates or telling them not to worry. 

What are they doing buying short term financial instruments to gain a short profit buy sitting on our money? 

Are they sitting on the money to somehow make their quarterly reports have more cash on the books? 

They can't even update their customers and today is Friday?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me to do.

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