BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To who it may concern, My concern is regarding Shellpoint Mortgage Servicing Company. This company has received my monthly mortgage payments and have failed to account it as payments received. My bank has sent me proof the account was cleared and paid. This company is trying to foreclosed on my house and has sent me a letter indicating they sent my file to their Loss Mitigation dept. The person who they assigned it to is XXXX XXXX XXXX x XXXX. Their corporate number is XXXX. 

I have can send proof of my claim from above should you need it. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ). 
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2017-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Armor Systems Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified 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 non-monetary relief
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from my credit report!!

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 2017-01-22
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against Citibank.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening account. ''

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 2016-01-13
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I sent a certified letter to Creditors Bureau Associates requesting debt validation of the alleged debt XXXX that I owe. The company never signed for the letter according to the tracking update ; however, I received a print out of the billing statement of the alleged debt. The company immediately placed this account on my credit report during my phase of disputing this account. Credit Bureau Associates has diminished my confidence in the banking system and have committed fraud by placing inaccurate unverifiable information on my credit report. I requested for the company to send me validation that I have a contract which would make me liable for the alleged debt. After further investigation of this company, Creditors Bureau Associates is not license to conduct business as a debt collector in Georgia. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX, CEO Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I am writing regarding XXXX XXXX XXXX, CEO of Commenity Bank who is allowing Identity Fraud on my card and even has the audacity to charge me for these fraudulent charges. This complaint can be validated by the Partner BJs XXXX XXXX who markets this card. In fact, you can see below XXXX XXXX XXXX, Vice President of BJs is also allowing this to happen as my account was compromised back on XX/XX/2021 I reported it to Commenity Bank to stop the card because I received a call on my cell phone stating they are BJs XXXX Mastercard. I even gave them the phone number that came up on the caller ID and wrote and called both Commenity and BJs to stop my card before something happens. 

What tipped me off the Identity Theft was the person on the phone had my full Commenity Card Number and was trying to validate my Social Security. Second, I did not have on file my Cell number as all my cards I use my land line for protection. 

I wrote to Commenity to close the account as no charge happened that day. Well, Commenity Fraud did nothing and fraudulent charges made to XXXX online started to appear on my statement late XXXX and XXXX. After several calls to stop the card to no avail. 

Now XXXX XXXX XXXX, CEO is running a scam sending me a letter saying they are going to ruin my credit by reporting my disputes as valid charges in hope of extortion of these charges and ruining my status as good credit with the XXXX agencies. I have the letter sent on behalf with the knowledge of the CEO. 

So, we have both BJs and Commenity running Consumer Fraud and Protection Scams and want to put this on record as the AG should prosecute both firms. I will send the formal papers to the AG this week with the documents to support it. 

As I been still fighting this illegal activity for months as both are just doing nothing. XXXX XXXX XXXX, XXXX XXXX is totally aware of this and going along for the ride, so her name will be put in as she is condoning this illegal activity. 

In fact, this morning I called the representatives and told him received a call from their XXXX Call Center telling me this charge was to be made zero, they will close the account and open me up a new card and account for protection. But I suspect this is a scam to lure me into screwing up my credit with the credit reporting agencies. 

Looking to hear from you, as I will show you all emails and even messages sent to both entities. Both did zero. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation