BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a monthly XXXX bill before moving to XXXX, and upon relocating got a bill reminder. Reached out but no success. Got a notice from debt collector, submitted proof of payment, they dropped the debt collection. Now, 1 year+ later, another debt collector, IC Systems inc sent a notice. I called, transfered around, would not give me a fax # or email, so then i went on their website to submit dispute, Did not here anything until now in their letter said i told them not to contact them, not true, then I got XX/XX/2022 a negative report on my credit 3 bureaus, scores down more than 60 points. I called ic system, and again no cooperation. They even told me they saw my payment, but insist i still owe, when their breakdown shows XXXX as part of the detail of what i owe. 
Actually XXXX owes me. I am submitting all documents of detail and proof of payment. 
I want this removed from my credit reports, and case closed now, 1 1/2 years later.

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 2021-08-29
Company: CHECK INTO CASH INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent check into cash an affidavit and invoice stating how they were violating the laws of the FDCPA and that they were liable to remedy me. They took over 30 days to respond and did not rebut my affidavit, meaning they have accepted my claims as true by default. The only legal way to rebut an affidavit is with an affidavit and all they sent me was a contract so this will get resolved in court. Thank you for nothing, looking forward to seeing the Check into Cash representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: DISCOVER BANK
State: IL
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:
They advertise that they are helping their customers affected by the Covid 19 crisis, but they in fact are not really helping at all. I inquired about what that " help '' means and they explained that I can skip a payment, but will be charged interest. Well, this contradicts itself because it is in fact a profit for them. And this interest charge is what happens if you miss a payment in any regular day scenario. So no different options being offered to customers due to the current situation. And the only thing they said they don`t charge is the late fee. But they still charge interest, which I find to be not helpful at all. I would rather pay my balance than being charged more for being late, which is like I previously mentioned the case anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness. 
Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is. 

They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights. 

Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are. 
Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a written notice to XXXX XXXX who acts as ceo of Southwest Credit Systems that I the consumer am invoking my right of rescission pursuant 15 usc 1635 in good faith. Certain information in this contract was not disclosed to me. Please delete all of my information, rescind all signatures, and return all money in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 've had XXXX cards with US Bank and their subsidiary Elan Financial for several years : Account XXXX XXXX XXXX XXXX Account XXXX 2000 XXXX XXXX Account XXXX XXXX XXXX XXXX My accounts have ALWAYS been paid on time, and I usually would pay off the balance each month. My credit history is perfect with a 10 % or less credit utilization and a XXXX+ FICO credit score. 
I recently requested an increase on my credit limit so that if I make a large purchase it wo n't take more than 10 % of my credit line and hurt my credit utilization, in turn hurting my score. 
Instead of just declining my request for an increase, they responded stating they were closing all three of my accounts immediately because they said I have enough cards open and too many inquiries. 
I responded asking them why they could n't keep at least my oldest cards open, ( and/or just not get an increase, ) when I 've never been late, always pay my balance off, and have a great history and very low utilization between 0-10 %. 
I told them over half my accounts are just store cards like XXXX or XXXX where you get XXXX % off for purchasing with the card ; then I pay off the statement balance when received. I never keep a balance on store cards and just use them for their store discounts. 
Despite my pleading to keep at least my oldest account open, they 've closed all XXXX cards. 
This has hurt me as a consumer by lowering my overall credit history 's " age of accounts '' as well as decreased the available credit, in addition to deleting all the award points I had accrued in using their cards over the years. 
If I had been late, over limit, or high credit utilization, then I could understand the closure of my accounts. However I 've done nothing and would like them to reopen all, or at least my oldest 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 explanation
Consumer complaint received 2017-05-20
Company: BARCLAYS BANK DELAWARE
State: WA
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:
I am in the process of obtaining a mortgage loan and am trying to remove 2 items with Barclay Bank that are reporting as delinquent, despite the fact that they have been paid in full since XX/XX/XXXX. I need to resolve this as quickly as possible as my closing date is set for XX/XX/XXXX and we need to lock my mortgage rate 15 days prior. I have been trying to resolve this issue for the past few months. I had 2 credit cards with Barclay Bank that went into delinquent status in XXXX and were turned over to debt collection agency XXXX XXXX XXXX. On XX/XX/XXXX I paid the full balance due on both accounts to XXXX and have a letter of receipt for both provided by XXXX. ( attached ) XX/XX/XXXX, I called XXXX to find out why it had n't reported to the credit bureaus and was told I would have to resolve this with Barclay bank directly. I was given very explicit instructions to speak with a supervisor to get this information. After several attempts, I was told there was nothing they could do that it was my responsibility to dispute it. My mortgage lender has been assisting in the process of getting this removed, speaking directly to Barclays with no result, working through their credit reporting company and has mailed dispute letters ( attached ) on my behalf to the credit bureaus. In a last ditch effort, today ( XX/XX/XXXX ) he mailed the letters and receipts to the credit bureaus after getting no result to date and suggested that I file a complaint with CFPB. Barclays has been unwilling to accept my authorization to reach out to the credit bureaus to update my information and has been unable to provide any help on this matter. Barclay has been unwilling to help resolve this matter and it is wrong. It has now been nearly three and a half months since I paid this debt. I need to get this removed as soon as possible so that my home loan can move through at a reasonable interest rate.

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 2016-10-28
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have a home equity line of credit with US Bank and have just refinanced our home mortgage. In order for us to keep that home equity line of credit, we paid a fee of {$250.00} so we did n't have to close it for the new mortgage and then reopen another line of credit again. The mortgage lenders with whom we financed, are selling our loan and needed to get a copy of the home equity line of credit agreement. It has taken them over XXXX XXXX XXXX XXXX weeks to finally get someone to help us. When my husband called, no one knew what to do or what area to possibly contact. Our mortgage lenders have been now trying for over XXXX XXXX XXXX XXXX weeks -- totally unacceptable. There was some missing information that was required on the form however, no one would communicate that. As far as I am concerned, this is unacceptable customer service given that we have paid {$250.00} to keep the line of credit open. I am requesting a refund of {$250.00} that we paid to keep the line open as we received no customer service and over XXXX weeks of calling everyday and headaches. This is no way to treat customers that have been with the bank for over XXXX years. Frankly, it should not happen to anyone. I am strongly considering dropping US Bank and going to another financial institution that focuses on customer service and does n't have the " we are a big bank attitude and are untouchable. '' I received a call from the XXXX yesterday to comment on US Bank and refused to give them feedback because it was my husband that had gone into the bank XXXX, arlier this week to make a deposit, not me. The caller was insistent that I give feedback to US Bank on my experience and I had to finally hang up on him stating, I did not receive any service so you expect or demand that I give feedback? That would not be a valid source of survey information as well as fraudulent information. If US Bank wants feedback, then they need to receive it in an honest and forthright manner and not " grease the skids so to speak. '' Big banks do n't mean good service. I really wonder what their customer service goals are and their commitment to customer service and the quality of customer service being offered.

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 2016-05-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: SC
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 submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to re-investigate the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I also took notes of the following : 1 ) one of the disputed accounts reporting as late is inaccurate. I was never late and I never missed a payment ; 2 ) I need the Credit Bureaus to send me copies of proof of ownership of the disputed accounts ; and 3 ) there are accounts reporting on Experian that was already removed from XXXX and XXXX. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. I need the disputed accounts verified and be immediately corrected and or deleted from my Credit File. Here is the list of the accounts that should be investigated : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2015-04-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX/XXXX/15, I opened a small business bank account at Chase. I funded the account, by writing a check from my XXXX XXXX account for a large amount of money. Nine days later, and six business days later, I learned the money I had deposited into my new Chase account was frozen. THAT is my FIRST COMPLAINT. My SECOND COMPLAINT, is that at no time, was there any communication that the funds were frozen and unavailable, which means of course, by then I was out writing checks against the money, which immediately BOUNCED, which obviously is my THIRD COMPLAINT. How dare you bounce a check, as if I did not have funds in the account to pay for it!!!! Only by taking off work on my time, to go back to my local branch and raising hell, did several Chase departments get called, and funds released. The explanation I was given, was that Chase was n't able to validate the check I had used from XXXX?????? THAT IS MY FOURTH COMPLAINT! Seriously!? For SHAME! That is a STUPID response. Not ignorant ... but stupid. My XXXX Bank branch, is XXXX feet from my Chase branch, and while I know that the internal Chase departments do n't know that, what XXXX in Chase is not capable of to picking up the phone and calling XXXX if they had questions? Instead you freeze the money in a new small business account, hiding behind the phrase ... 'for your security '. AND THAT IS MY FIFTH COMPLAINT. If ANY account of mine, is at risk at any time, in any way, you had better dang well pick up the phone and CALL me. And NO, not nine days later, when I HAVE TO COME TO YOU FOR EXPLANATION. What small business on this planet, can afford to have their capital locked up for that ridiculous amount of time and certainly, with no communication from the bank. So Chase 's processes find it okay for them to play a little 'XXXX ' with my money? Let me ask you ... ..PLEASE, PLEASE, PLEASE, give me more of the Chase PEP talk, about why I should do my banking at Chase! I am ALL ears. I 'm positive I 'll be able to drink the lemonade after you 've cost me time, money, and put my business at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. They have repeatedly called me asking to give me refinance options which I don't want to do. I have complained that they are calling me on a masked phone number- appearing to be a local call when it is not and calling my mobile phone which I didn't want them to do. I asked to be placed on a do not call list and the calls continue. They now have called my work number. and no amount of complaining seems to help. This is a truly unprofessional company and their must be some law the prevents them from badgering customers to refinance so they can get fees and rollover loans at rates they don't like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Climb Credit Inc.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My wife and I applied for loans on XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX ... XXXX on XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out XXXX in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Alliance Collection Service
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, Alliance Collection Service Owner of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX, called someone OTHER THAN the actual person who owed the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation