BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I sent a letter to XXXX  on XXXX XXXX in XXXX, Georgia and to National Credit Systems ( a collection agency ) asking them to validate the alleged debt on my credit report by producing the original contract with a wet ink signature. I sent the letters on XX/XX/2023 via certified mail and gave them 10 days to respond. On XX/XX/2023, National Credit systems sent a letter, non-certified ( which I received on XX/XX/2023 ), stating that their client ( XXXX on XXXX XXXX ) authorized them to extend a special opportunity for a " 50 % debt discount '' offer in which they offered 50 % off the alleged debt if it were to be paid by XX/XX/2023. Neither XXXX  on XXXX XXXX or the debt collector National Credit Systems provided the original contract with wet ink signature nor was the alleged debt validated in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I applied and was granted a credit card via Comenity Bank for Kay Jeweler. The next day, XX/XX/XXXX, we spent about one hour shopping in the store for the perfect rings. To seal the deal the rings were 60 percent off. We were elated. However, my joy was quickly deflated when the salesman checking me out informed me that my account had been suspended by the account protection team. Having a credit score of over 800, I thought he was joking. The salesman informed me further information would be sent to me as they wanted to ensure it wasnt a fraud issue. Imagine my embarrassment! 

As instructed via communication sent to my home address, I reluctantly emailed copies of XXXX ) front and back of my driver license ; XXXX ) front and back of my social security card ; and XXXX ) a copy of my Consumers Energy bill on XX/XX/XXXX. I was reluctant to send the information as I was instructed to email this SENSITIVE DATA unsecured. 

Having complied with the communication, I was totally shocked when I received a final communication stating Following a review of your KAY JEWELERS credit card account and related transaction. Comenity Bank has permanently closed your credit account due to continued security concerns involving this account. I complied with what was requested of me so I called the Account Protection Team for an explanation as to why after I have supplied all the necessary information to prove/confirm I am who I say I am WHY was my account closed. The representative stated that he could not go into details he would only share that the documentation didnt meet the banks standards. 

Meanwhile, this transaction has been registered on all the credit bureaus and is causing a major NEGATIVE impact on my credit score and credit history. Furthermore, I was a cardholder for over 15 years on a different account with Comenity Bank for XXXX. I maintained excellent credit with the old account for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Cash back credit card under both my husband and my name. Husband passed away in XX/XX/2023. I have been using card and paying balance off each month since, gaining reward money as well. 
I went to make a purchase on XX/XX/23 and bank declined. I could not access my account online. Called customer service # and was advised the card was CLOSED as they were notified my husband ( primary user on card ) was deceased. I received NO NOTIFICATION of closing and I AM listed on card. 
I asked about the Rewards money I had earned - I can not access online to transfer the earned money. I was told once the account is closed it is closed. 
No notice of closing an account - I have no way of accessing my Rewards money- yet I am still responsible for paying off the balance? 
I do not think this is fair or legit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage servicing is claiming that I have a escrow account. I pay the taxes and the home insurance myself and have never had an escrow account with this loan. 
Shellpoint is claiming that I owe {$500.00} for an escrow account.

On previous occasions I have asked Shellpoint to send me monthly statements via mail. 
As of the date of this letter I have not received a monthly statement. In addition I have requested the original Mortgage loan document from shellpoint. XXXX XXXX was the original Mortgage that I had and the loan was XXXX home loan. The loan has been sold several times and transferred to several companies. Shellpoint is not administering my loan in the terms of the original loan that I took out with XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Im not sure this is an issue you can help with or if it is too late. We banked with Wells Fargo in 2013. We were always charged fees that made no sense and never received an actual resolution. We werent allowed to access our funds at times. We were always told that it was in our best interest to keep our account numbers up. Not even sure what that meant. We left Wells Fargo when it seemed we were losing money to the bank. It was out of control. I was recently told to reach out to you with this information. Thank you for your time.

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 2023-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recieved a text message from a XXXX XXXX a XXXX XXXX Broker who works with XXXX XXXX XXXX  about lowering my rates for a mortgage I applied to through USAA the message had a STOP if you do not want any of these messages in the text so I did that. After about 15min I received another Text followed by 54 calls from XXXX till XXXX. all with the same thing about being brokers trying to lower my interest rates on my home mortgage. 

The info I was given via text was XXXX XXXX XXXX XXXX Broker NMLS XXXX p : ( XXXX ) XXXX c : ( XXXX ) XXXX XXXX : XXXX XXXX : XXXX a : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX After I told her I was reporting her here she gave one more sales pitch and ended the conversation then proceeded to send another text message from another phone number ( XXXX ) XXXX The calls came from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I give up there's too many and they keep coming I have asked them to take me off there list to stop texting and they just keep coming

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with XXXX and XXXX they did not listen finally send to the creidt agencies transunion and experian and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In  XXXX , I made a room reservation at a  XXXX   XXXX . A credit card offer popped up with a visual depiction of a {$50.00} discount if i opened their credit card  ( Barclay ). I figur ed ... sure, i 'll save {$50.00} on the room. The visual credit card statement showed my room rate {$200.00} - {$50.00} credit for opening card = price of room {$150.00}. I then proceeded to accept the card offer and make my reservation. The gentlemen at the hotel said the {$50.00} would come off the credit card bill, not the reservation.     I received the bill with no discount.     Come to find out, you had to spend {$2000.00} to get that {$50.00} discount.     I inquired with  Barclay  on  XXXX / XXXX /  XXXX   and provided them with a screen shot reflecting the $  XXXX  = {$150.00} deal. I received confirmation that  Barclay  received my documentation.     They are now saying its going to be another  7-10 day s for a response.     As of today, it 's been 20 days of me jumping through hoops. During tha t 7-10 day window, my Barclay bill  will be due. I 've repeated asked them for an expedited response because i do not want to be hit with interest or late fees waiting for resolution ... however, they never address that concern of mine.     I 'm at my wits end dealing with Barclay.

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 2023-03-21
Company: CORELOGIC INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error. To date, XXXX has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the XXXX will immediately issue a refund on account of mistake if asked. I advised the XXXX that I have no objection to the issuance of a refund on the account if asked. I submitted to XXXX and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked XXXX to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. XXXX refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to XXXX  and me being liable for a double payment. XXXX continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. XXXX  has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.

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 2022-03-26
Company: Paxful Holdings, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Good day Sir/Ma Please save me from paxful.com unfair decision I got a message from paxful.com on the XXXX of XX/XX/2020 that my trading account has been frozen and it will take 365 days for them to complete their investigation. All my effort to know what my offense was proved abortive. i have XXXXbtc in my account with username name " XXXX ''. my account still remained frozen till date without any update from them. it is already more than 25months contrary to their 12months stated earlier.

My account is fully verified with my international passport and i also used my bank account statement to verify address. all efforts to reach them via email and social media handle proved abortive. 

i have asked them several times to tell me exactly while they put my account under investigation but no answer to my question till date. i have my business registered in XXXX. and i have all the necessary documents which i have forwarded to them via email. infact i have trading website XXXX 

i don't trade on paxful i only have account with them because some of my customers do request for paxful wallet due to their free internal transactions then. i.e paxful to paxful transaction was free. so when customers request for it i just gave it to the customer and once i received it, i will pay them local currency ( XXXX ). 

Please kindly Assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of west shoes delinquent of $ XXXX from 2019 on credit report jointly with wife XXXX . Per Bank of West they have no accounts open or delinquent in my name or social number. Wife has never had a account with them. This is Fraud especially on my wife!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: IL
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:
I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi my name is XXXX XXXX and Im contacting you guys on behalf of my self and my problems with my accounts at citizens bank. 6 months ago my mother and I had got into a fight and because of the fight she transferred my XXXX dollars into her XXXX account, my mom then decided now that since it was time and since I was going to be moving out she transferred the money back to the account I have jointed with her and from there I transferred it into my new account that I just made recently in my new account I had XXXX something dollars in that account before I added what was left from my XXXX  dollars that I originally had that my mother had taken 6 months ago into my new account and the amount I had was XXXX. So I transferred the XXXX into my new account and now my funds are on hold because I called the bank many times and the representatives I had spoken too couldnt tell me much about my account and why I couldnt see the money but that my funds in total were there, since I had XXXX something in my new account when I added the XXXX that left me with XXXX I took XXXX out a couple days ago and I shouldve remained with XXXX but my XXXX  came in today and I transferred the funds into my new account because I didnt want my mother to steal my money and now my taxes are also on hold with the rest of my money. I was told by the representatives that my funds were under further review until the XXXX of this month and that I should receive a letter in the mail telling me how to continue and Im filling this complaint because my funds shouldnt be on hold because I did nothing wrong I have my bank statements and my pay stubs to prove that the money I had in my account were mine 6 months ago before my mother decided to take it from me and use it. I finally get the remainder of what I had back and now Im having troubles with my bank and the fact that they cant tell me why so Im just hoping and praying that you guys can give me answers were my bank couldnt and please help me so that I can use my money I have bills to pay and I cant wait till the XXXX of this month just to hope that my money will no longer be under review which I still dont know why its under review I really hope you guys can help me Ive never had any problems like this going on two years that Ive had citizens bank and now this is happening to me which i feel is wrong especially if I cant get a reason why from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
on XX/XX/2023 I booked a flight from XXXX to XXXX ( start date XX/XX/2023 to return date XX/XX/2023 ) using my chase credit card reward points on chase travel web portal. Chase gave me the confirmed ticket and charged me XXXX $ ( including XXXX reward points ). next day I get a call from Chase bank saying that my ticket to XXXX is not confirmed by airline, asked me to call back to Chase travel assistance, I called the Chase travel assistance and they said : chase has not got the confirmation from one of the connected flight from XXXX to XXXX and I have to rebook the ticket by cancelling current ticket. but chase is not responsible to pay any extra cost to rebook the ticket. but the new ticket price has increased now. here chase gave me the confirmation ticket without getting the confirmation from airline, I asked the same to travel assistance, she said she can not help me here. She agreed that its chase 's mistake which provided me confirmed ticket without getting confirmation from airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
O n  XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC.  XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX / XXXX /2017 not being responded to ( sent  XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the 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 2022-03-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I moved out of this apartment, I gave the appropriate amount of time to do so. I was still charged these fees. I have contacted this company several times to resolve this problem in the past as I was not the only person on this lease.

Company response to consumer: Closed with explanation